Workers Federal Credit Union (NCUA charter #24923) is based in Littleton, Massachusetts. Its Q2 2026 call report shows $2.5B in total assets and $1.9B in member shares and deposits and 11 offices.
Based on its Q2 2026 filing, Workers Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 10% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 109th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is earnings (12/100; -0.21%).
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 5 points (48 → 53), mostly because the loan quality component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 52 |
| Q4 2024 | 46 |
| Q1 2025 | 47 |
| Q2 2025 | 48 |
| Q3 2025 | 51 |
| Q4 2025 | 48 |
| Q1 2026 | 50 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.79% |
| Q3 2024 | 13.07% |
| Q4 2024 | 10.85% |
| Q1 2025 | 10.83% |
| Q2 2025 | 10.79% |
| Q3 2025 | 10.74% |
| Q4 2025 | 10.17% |
| Q1 2026 | 10.04% |
| Q2 2026 | 10.05% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 1.85% |
| Q4 2024 | 1.84% |
| Q1 2025 | 1.61% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.04% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.86% |
| Q3 2024 | -0.84% |
| Q4 2024 | -3.15% |
| Q1 2025 | -0.51% |
| Q2 2025 | -0.42% |
| Q3 2025 | -0.19% |
| Q4 2025 | -0.36% |
| Q1 2026 | -0.17% |
| Q2 2026 | -0.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $2.5B | 10.05% | 0.81% | -0.21% | 104.5% |
| Q1 2026 | 50 | $2.5B | 10.04% | 1.04% | -0.17% | 106.3% |
| Q4 2025 | 48 | $2.5B | 10.17% | 1.21% | -0.36% | 105.5% |
| Q3 2025 | 51 | $2.5B | 10.74% | 1.27% | -0.19% | 101.9% |
| Q2 2025 | 48 | $2.4B | 10.79% | 1.46% | -0.42% | 97.7% |
| Q1 2025 | 47 | $2.4B | 10.83% | 1.61% | -0.51% | 92.6% |
| Q4 2024 | 46 | $2.5B | 10.85% | 1.84% | -3.15% | 90.9% |
| Q3 2024 | 52 | $2.6B | 13.07% | 1.85% | -0.84% | 91.6% |
| Q2 2024 | 56 | $2.5B | 13.79% | 1.77% | -0.86% | 87.9% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Brightbridge Credit UnionCredit union Lawrence, MA | 64 out of 100, Moderate | $2.4B | 10.6% | 0.82% | vs |
| Jeanne D'Arc Credit UnionCredit union Lowell, MA | 60 out of 100, Moderate | $2.2B | 9.1% | 0.30% | vs |
| Hanscom Federal Credit UnionCredit union Hanscom AFB, MA | 64 out of 100, Moderate | $2.2B | 10.5% | 0.51% | vs |
| Greylock Federal Credit UnionCredit union Pittsfield, MA | 67 out of 100, Moderate | $1.8B | 12.8% | 1.35% | vs |
| Metro Credit UnionCredit union Chelsea, MA | 57 out of 100, Moderate | $3.3B | 9.2% | 0.62% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
Deposit insurance
Is my money safe at Workers Federal Credit Union?
Yes. Workers Federal Credit Union is a federally insured credit union (NCUA charter #24923). 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 9.6% of shares and deposits ($178.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.05%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Workers Federal Credit Union lists 11 offices in 11 cities. Most locations:
- Athol, MA (1)
- Chelmsford, MA (1)
- Fitchburg, MA (1)
- Gardner, MA (1)
- Groton, MA (1)
- Lancaster, MA (1)
- Lunenburg, MA (1)
- Orange, MA (1)
- Townsend, MA (1)
- Westford, MA (1)
- Worcester, MA (1)
HMDA 2025
Mortgage lending
In 2025, Workers Federal Credit Union reported 1,755 home-loan applications under HMDA (LEI 254900MSO8KVQ05D2J27): 1,233 originated ($537,895,000 total), 194 denied, and 269 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.1%, 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
- Workers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24923
- RSSD ID
- 150491
- Primary regulator
- NCUA
- Established
- 1914
- Headquarters
- 119 Russell St, Littleton, MA 01460
- Employees
- 353
Quick answers
Workers Federal Credit Union: common questions
Is Workers Federal Credit Union NCUA insured?
Yes. Workers Federal Credit Union is a federally insured credit union (NCUA charter #24923). 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 Workers Federal Credit Union's TellerScore?
53 out of 100 (Below average), 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 Workers Federal Credit Union have?
11 offices as of the latest NCUA data.