Federal credit union · DEDHAM, Massachusetts · NCUA charter #15073
Dedham Town Employees
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $9.3M
- Total assets
- 1,091
- Members
- 13.8%
- Net-worth ratio
Dedham Town Employees scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.3M; members 1,091; net-worth ratio 13.82%; health rank #4,223 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,223 of 4,374 health · 2025Q4Dedham Town Employees · health 53/100 · $9.3M · 2025Q4
- RANK 53/100
- PHOTO 13.8%
- BOOK 2.04%
- CHARTER -2.39%
- NCUSIF $9.3M
- CAMELS 1,091
- HEALTH #4,223/4,374
- NW n/a
- DELQ 15073
Call Report peers
Dedham Town Employees carries $9.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dedham Town Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Dedham Town Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15073 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Dedham Town Employees: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 28.33% here, 63.60% peer average (-35.27 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Dedham Town Employees: in-state Call Report ranks
- Massachusetts health ordinal: #123 of 126.
- By total assets, Dedham Town Employees is #107 of 126 in Massachusetts.
- Massachusetts membership ordinal: #104 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Dedham Town Employees
Dedham Town Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $9.3M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted +0.31 pp (13.51% → 13.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 0.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for Dedham Town Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.82% | -5.24 pp |
| Delinquency Rate | 2.04% | +0.23 pp |
| Return on Assets | -2.39% | -2.84 pp |
| Member Growth | -3.88% | - |
| Loan-to-Share Ratio | 28.33% | -35.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Dedham Town Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.3M | - |
| 2025Q4 | $9.3M | 1,091 |
| 2024Q4 | $8.8M | 1,135 |
| 2023Q4 | $9.5M | 947 |
Credit Union Details
- Charter Number
- 15073
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- DEDHAM
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Dedham Town Employees.
| Office | City |
|---|---|
| DTEFCU (Main Office) | DEDHAM, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Other-state peers near Dedham Town Employees
Dedham Town Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- Dedham Town Employees ranks #4,223 of 4,374 nationally on financial health and #123 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arlington Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arlington Municipal
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Dedham Town Employees financially healthy?
A 13.82% net worth ratio and a 2.04% delinquency rate feed into Dedham Town Employees's financial health score of 53/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,223 of 4,374; by total assets it ranks #3,593 of 4,374 nationally (same basis as /rankings/largest); and #107 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dedham Town Employees compare to other credit unions?
On PlainCU's health composite, Dedham Town Employees lands at 53/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Dedham Town Employees?
Dedham Town Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Dedham Town Employees directly to confirm current membership steps.
Is my money safe at Dedham Town Employees?
Federal credit unions like Dedham Town Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dedham Town Employees's net worth ratio of 13.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dedham Town Employees offer compared to banks?
Credit unions like Dedham Town Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Dedham Town Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.