The Andovers Federal Credit Union (NCUA charter #16067) is based in Andover, Massachusetts. Its Q2 2026 call report shows $36.9M in total assets and $32.0M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, The Andovers Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 32nd. Its strongest component is funding & liquidity (100/100; 24% loans-to-deposits, 4% uninsured), and its lowest is earnings (60/100; 1.00%).
TellerScore · Q2 2026
Scorecard
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 rose 19 points (62 → 81), mostly because the loan quality component improved by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 77 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 81 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.70% |
| Q3 2024 | 12.12% |
| Q4 2024 | 12.30% |
| Q1 2025 | 12.20% |
| Q2 2025 | 12.35% |
| Q3 2025 | 12.54% |
| Q4 2025 | 12.94% |
| Q1 2026 | 13.06% |
| Q2 2026 | 13.21% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.19% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.10% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.16% |
| Q2 2026 | 0.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.80% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $36.9M | 13.21% | 0.67% | 1.00% | 23.5% |
| Q1 2026 | 75 | $36.5M | 13.06% | 1.16% | 0.80% | 25.0% |
| Q4 2025 | 75 | $36.2M | 12.94% | 0.98% | 0.75% | 26.0% |
| Q3 2025 | 63 | $36.6M | 12.54% | 2.10% | 0.62% | 27.1% |
| Q2 2025 | 62 | $36.6M | 12.35% | 2.16% | 0.56% | 27.1% |
| Q1 2025 | 77 | $36.5M | 12.20% | 0.19% | 0.43% | 27.3% |
| Q4 2024 | 78 | $35.9M | 12.30% | 0.09% | 0.36% | 28.3% |
| Q3 2024 | 78 | $36.4M | 12.12% | 0.16% | 0.46% | 28.0% |
| Q2 2024 | 68 | $37.3M | 11.70% | 1.15% | 0.45% | 27.9% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA | 75 out of 100, Strong | $38.4M | 19.6% | 1.91% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| 600 Atlantic Federal Credit UnionCredit union Boston, MA | 77 out of 100, Strong | $39.1M | 13.6% | 0.77% | vs |
| Norfolk Community Federal Credit UnionCredit union Norfolk, MA | 80 out of 100, Strong | $33.0M | 12.7% | 0.48% | vs |
| Taupa Lithuanian Federal Credit UnionCredit union South Boston, MA | 32 out of 100, Low | $32.1M | 9.1% | 3.21% | vs |
| Methuen Federal Credit UnionCredit union Methuen, MA | 60 out of 100, Moderate | $41.8M | 9.6% | 1.20% | vs |
Deposit insurance
Is my money safe at The Andovers Federal Credit Union?
Yes. The Andovers Federal Credit Union is a federally insured credit union (NCUA charter #16067). 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 4.2% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
The Andovers Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Andover, MA (1)
- North Andover, MA (1)
Identity & history
Profile
- Legal name
- The Andovers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16067
- RSSD ID
- 221382
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- 19C Lupine Rd, Andover, MA 01810
- Employees
- 6
Quick answers
The Andovers Federal Credit Union: common questions
Is The Andovers Federal Credit Union NCUA insured?
Yes. The Andovers Federal Credit Union is a federally insured credit union (NCUA charter #16067). 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 The Andovers Federal Credit Union's TellerScore?
81 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 The Andovers Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Andover
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |