TellerScore

Westport Federal Credit Union (NCUA charter #7652) is based in Westport, Massachusetts. Its Q2 2026 call report shows $82.2M in total assets and $73.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Westport Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 49th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (49/100; 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.94%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity100/100
Loans ÷ shares: 54.8% · 4.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.82%

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 11 points (64 → 75), mostly because the loan quality component improved by 25 points.

TellerScore
636975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202473
Q1 202568
Q2 202564
Q3 202570
Q4 202563
Q1 202664
Q2 202675
Net worth ratio
7.00%8.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.66%
Q3 20249.09%
Q4 20249.62%
Q1 20259.32%
Q2 20259.15%
Q3 20259.17%
Q4 20259.47%
Q1 20269.53%
Q2 20269.94%
Delinquent loans (60+ days)
0.37%0.87%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.57%
Q4 20240.67%
Q1 20250.62%
Q2 20251.11%
Q3 20250.52%
Q4 20251.37%
Q1 20261.19%
Q2 20260.37%
Return on assets
0.87%1.13%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.38%
Q4 20241.40%
Q1 20250.87%
Q2 20250.98%
Q3 20251.00%
Q4 20251.04%
Q1 20260.90%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$82.2M9.94%0.37%1.22%54.8%
Q1 202664$82.4M9.53%1.19%0.90%53.1%
Q4 202563$80.9M9.47%1.37%1.04%53.6%
Q3 202570$81.1M9.17%0.52%1.00%51.3%
Q2 202564$78.9M9.15%1.11%0.98%47.6%
Q1 202568$75.1M9.32%0.62%0.87%48.7%
Q4 202473$71.1M9.62%0.67%1.40%51.9%
Q3 202472$72.6M9.09%0.57%1.38%50.2%
Q2 202472$73.4M8.66%0.43%1.36%49.7%

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).

Capital ratio9.94%
16th
Problem loans0.37%
65th
Net charge-offs0.07%
60th
Return on assets1.22%
77th
Loans to deposits54.8%
56th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
New England Teamsters Federal Credit UnionCredit union Charlestown, MA62 out of 100, Moderate$74.8M12.9%2.08%vs
Stoneham Municipal Employees Federal Credit UnionCredit union Stoneham, MA78 out of 100, Strong$69.9M15.3%1.57%vs
Athol Credit UnionCredit union Athol, MA42 out of 100, Below average$99.2M8.6%1.20%vs
Cranberry Federal Credit UnionCredit union West Wareham, MA57 out of 100, Moderate$63.3M8.2%0.66%vs
Southcoast Federal Credit UnionCredit union New Bedford, MA74 out of 100, Strong$59.0M12.4%0.27%vs

Deposit insurance

Is my money safe at Westport Federal Credit Union?

Yes. Westport Federal Credit Union is a federally insured credit union (NCUA charter #7652). 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 4.7% of shares and deposits ($3.5M) 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 9.94%, 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

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

  • Westport, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Westport Federal Credit Union reported 37 home-loan applications under HMDA (LEI 25490010UA3IZPDO2Q49): 35 originated ($9,175,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, 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
Westport Federal Credit Union
Type
Federal credit union
NCUA charter #
7652
RSSD ID
225380
Primary regulator
NCUA
Established
1952
Headquarters
P.O. Box 288, Westport, MA 02790
Employees
14

Quick answers

Westport Federal Credit Union: common questions

Is Westport Federal Credit Union NCUA insured?

Yes. Westport Federal Credit Union is a federally insured credit union (NCUA charter #7652). 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 Westport Federal Credit Union's TellerScore?

75 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 Westport Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Westport

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs
Pawtucket Municipal Employees Federal Credit UnionCredit union Pawtucket, RI76 out of 100, Strong$6.2M13.4%0.60%vs
St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA75 out of 100, Strong$38.4M19.6%1.91%vs
Cranston Municipal Employees Credit UnionCredit union Cranston, RI75 out of 100, Strong$79.8M18.5%0.21%vs