TellerScore

Headquartered in Worcester, Massachusetts, Worcester Police Department Federal Credit Union is a federal credit union with $25.5M in total assets and $22.2M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1947.

Based on its Q2 2026 filing, Worcester Police Department Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 70th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.67%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity74/100
Loans ÷ shares: 86.0% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.08%

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 3 points (66 → 69), mostly because the loan quality component improved by 11 points.

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202470
Q1 202567
Q2 202566
Q3 202569
Q4 202567
Q1 202671
Q2 202669
Net worth ratio
7.00%9.52%12.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.69%
Q3 202411.96%
Q4 202412.04%
Q1 202512.04%
Q2 202511.51%
Q3 202511.37%
Q4 202511.48%
Q1 202611.66%
Q2 202611.67%
Delinquent loans (60+ days)
0.20%0.52%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.66%
Q4 20240.63%
Q1 20250.85%
Q2 20250.82%
Q3 20250.37%
Q4 20250.65%
Q1 20260.20%
Q2 20260.48%
Return on assets
0.37%0.59%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.81%
Q4 20240.80%
Q1 20250.62%
Q2 20250.55%
Q3 20250.49%
Q4 20250.48%
Q1 20260.37%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$25.5M11.67%0.48%0.40%86.0%
Q1 202671$25.2M11.66%0.20%0.37%87.2%
Q4 202567$25.4M11.48%0.65%0.48%86.9%
Q3 202569$25.4M11.37%0.37%0.49%86.8%
Q2 202566$24.9M11.51%0.82%0.55%87.6%
Q1 202567$23.6M12.04%0.85%0.62%90.9%
Q4 202470$23.2M12.04%0.63%0.80%93.2%
Q3 202470$23.0M11.96%0.66%0.81%96.9%
Q2 202469$23.1M11.69%0.63%0.79%96.8%

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 ratio11.67%
29th
Problem loans0.48%
59th
Net charge-offs0.14%
53rd
Return on assets0.40%
37th
Loans to deposits86.0%
13th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Beverly Municipal Federal Credit UnionCredit union Beverly, MA69 out of 100, Moderate$25.8M8.8%0.08%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Mycom Federal Credit UnionCredit union Pittsfield, MA57 out of 100, Moderate$26.7M12.9%2.33%vs
Rah Federal Credit UnionCredit union Randolph, MA74 out of 100, Strong$23.9M11.1%0.15%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
Haverhill Fire Department Credit UnionCredit union Haverhill, MA71 out of 100, Strong$27.7M9.6%0.02%vs

Deposit insurance

Is my money safe at Worcester Police Department Federal Credit Union?

Yes. Worcester Police Department Federal Credit Union is a federally insured credit union (NCUA charter #24868). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.67%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Worcester Police Department Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Worcester Police Department Federal Credit Union
Type
Federal credit union
NCUA charter #
24868
RSSD ID
272795
Primary regulator
NCUA
Established
1947
Headquarters
805 West Boylston Street, Worcester, MA 01606
Employees
7

Quick answers

Worcester Police Department Federal Credit Union: common questions

Is Worcester Police Department Federal Credit Union NCUA insured?

Yes. Worcester Police Department Federal Credit Union is a federally insured credit union (NCUA charter #24868). 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 Police Department Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Worcester Police Department Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Worcester

InstitutionScoreAssetsCapitalProblem loansCompare
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs