TellerScore

Worcester Credit Union (NCUA charter #64144) is based in Worcester, Massachusetts. Its Q2 2026 call report shows $107.3M in total assets and $95.8M in member shares and deposits.

Worcester Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 64th. Problem-loan coverage contributes the most (90/100, 5.1%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.75%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity83/100
Loans ÷ shares: 77.4% · 4.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.10%

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 3 points (74 → 71), mostly because the earnings component weakened by 15 points.

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202467
Q4 202466
Q1 202576
Q2 202574
Q3 202574
Q4 202573
Q1 202672
Q2 202671
Net worth ratio
7.00%9.39%11.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.15%
Q3 202411.03%
Q4 202411.48%
Q1 202511.19%
Q2 202511.52%
Q3 202511.79%
Q4 202511.56%
Q1 202611.50%
Q2 202611.75%
Delinquent loans (60+ days)
0.54%0.89%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.91%
Q4 20241.24%
Q1 20250.63%
Q2 20250.91%
Q3 20250.76%
Q4 20250.69%
Q1 20260.54%
Q2 20260.87%
Return on assets
0.52%0.91%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.52%
Q3 20240.58%
Q4 20240.63%
Q1 20251.31%
Q2 20251.29%
Q3 20251.12%
Q4 20250.95%
Q1 20260.69%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$107.3M11.75%0.87%0.92%77.4%
Q1 202672$107.1M11.50%0.54%0.69%71.9%
Q4 202573$105.0M11.56%0.69%0.95%72.6%
Q3 202574$101.8M11.79%0.76%1.12%73.0%
Q2 202574$102.4M11.52%0.91%1.29%69.4%
Q1 202576$102.7M11.19%0.63%1.31%67.6%
Q4 202466$97.2M11.48%1.24%0.63%67.7%
Q3 202467$99.6M11.03%0.91%0.58%67.0%
Q2 202468$96.9M11.15%0.78%0.52%67.5%

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 ratio11.75%
55th
Problem loans0.87%
38th
Net charge-offs0.10%
85th
Return on assets0.92%
62nd
Loans to deposits77.4%
46th
Uninsured deposits4.2%
69th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
38th

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
Tewksbury Federal Credit UnionCredit union Tewksbury, MA70 out of 100, Strong$100.7M10.3%0.47%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 Worcester Credit Union?

Yes. Worcester Credit Union is a federally insured credit union (NCUA charter #64144). 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 ($4.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.75%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

HMDA 2025

Mortgage lending

In 2025, Worcester Credit Union reported 30 home-loan applications under HMDA (LEI 549300JH0WD7YX0UUZ21): 19 originated ($2,245,000 total), 10 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.5%, 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
Worcester Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64144
RSSD ID
562795
Primary regulator
State + NCUA
Established
1976
Headquarters
520 W Boylston St, Worcester, MA 01606
Employees
16

Quick answers

Worcester Credit Union: common questions

Is Worcester Credit Union NCUA insured?

Yes. Worcester Credit Union is a federally insured credit union (NCUA charter #64144). 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 Worcester Credit Union's TellerScore?

71 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.