TellerScore

Tewksbury Federal Credit Union (NCUA charter #13926) is based in Tewksbury, Massachusetts. Its Q2 2026 call report shows $100.7M in total assets and $91.4M in member shares and deposits and 1 office.

Tewksbury Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 66th. Funding & liquidity contributes the most (97/100, 63% loans-to-deposits, 9% uninsured); earnings contributes the least (45/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.29%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity97/100
Loans ÷ shares: 62.9% · 8.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (72 → 70), mostly because the loan quality component weakened by 5 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202470
Q1 202573
Q2 202572
Q3 202572
Q4 202573
Q1 202676
Q2 202670
Net worth ratio
7.00%8.93%10.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.22%
Q3 202410.35%
Q4 202410.39%
Q1 202510.17%
Q2 202510.13%
Q3 202510.64%
Q4 202510.83%
Q1 202610.86%
Q2 202610.29%
Delinquent loans (60+ days)
0.34%0.72%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20241.10%
Q4 20240.48%
Q1 20250.38%
Q2 20250.34%
Q3 20250.36%
Q4 20250.37%
Q1 20260.40%
Q2 20260.47%
Return on assets
0.59%0.83%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.61%
Q4 20240.60%
Q1 20250.87%
Q2 20250.70%
Q3 20250.76%
Q4 20250.74%
Q1 20261.08%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$100.7M10.29%0.47%0.63%62.9%
Q1 202676$94.8M10.86%0.40%1.08%67.2%
Q4 202573$93.0M10.83%0.37%0.74%67.5%
Q3 202572$93.1M10.64%0.36%0.76%66.4%
Q2 202572$95.9M10.13%0.34%0.70%61.6%
Q1 202573$94.2M10.17%0.38%0.87%59.7%
Q4 202470$90.2M10.39%0.48%0.60%65.8%
Q3 202464$89.3M10.35%1.10%0.61%64.3%
Q2 202466$89.0M10.22%0.86%0.59%62.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.29%
33rd
Problem loans0.47%
68th
Net charge-offs0.29%
58th
Return on assets0.63%
41st
Loans to deposits62.9%
74th
Uninsured deposits8.9%
23rd
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Common Trust Federal Credit UnionCredit union Woburn, MA68 out of 100, Moderate$100.8M9.5%0.05%vs
Worcester Credit UnionCredit union Worcester, MA71 out of 100, Strong$107.3M11.8%0.87%vs
St. Michaels Fall River Federal Credit UnionCredit union Fall River, MA48 out of 100, Below average$121.4M9.3%1.70%vs
Luso-American Credit UnionCredit union Peabody, MA84 out of 100, Strong$123.0M16.2%0.22%vs
Brotherhood Credit UnionCredit union Lynn, MA85 out of 100, Very strong$125.2M43.7%1.18%vs
Nesc Federal Credit UnionCredit union Methuen, MA64 out of 100, Moderate$125.9M10.6%0.91%vs

Deposit insurance

Is my money safe at Tewksbury Federal Credit Union?

Yes. Tewksbury Federal Credit Union is a federally insured credit union (NCUA charter #13926). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.9% of shares and deposits ($8.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Tewksbury Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tewksbury Federal Credit Union reported 59 home-loan applications under HMDA (LEI 549300UXQYBOU2E10G39): 56 originated ($6,400,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tewksbury Federal Credit Union
Type
Federal credit union
NCUA charter #
13926
RSSD ID
187282
Primary regulator
NCUA
Established
1960
Headquarters
752 Main St, Tewksbury, MA 01876
Employees
24

Quick answers

Tewksbury Federal Credit Union: common questions

Is Tewksbury Federal Credit Union NCUA insured?

Yes. Tewksbury Federal Credit Union is a federally insured credit union (NCUA charter #13926). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Tewksbury Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Tewksbury Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tewksbury

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs