Federal credit union · LEOMINSTER, Massachusetts · NCUA charter #1461
Leominster Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $28.3M
- Total assets
- 1,742
- Members
- 11.2%
- Net-worth ratio
Leominster Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.3M; members 1,742; net-worth ratio 11.21%; health rank #1,672 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,672 of 4,374 health · 2025Q4Leominster Employees · health 87/100 · $28.3M · 2025Q4
- RANK 87/100
- PHOTO 11.2%
- BOOK 0.09%
- CHARTER 1.02%
- NCUSIF $28.3M
- CAMELS 1,742
- HEALTH #1,672/4,374
- NW Mile High
- DELQ 1461
Call Report peers
Leominster Employees in the assets neighbourhood
Leominster Employees's $28.3M assets sit next to Mile High ($28.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Leominster 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
87 Top 40% higher than 60% 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
Leominster Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1461, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Leominster Employees
- Delinquency Rate leads the peer set - 0.09% here, 1.15% peer average (-1.06 pp).
- Net Worth Ratio trails the peer set - 11.21% here, 14.86% peer average (-3.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Leominster Employees
- Massachusetts health ordinal: #49 of 126.
- Assets rank #86 of 126 inside Massachusetts ($28.3M reported).
- Member book place in Massachusetts: #88 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.
Leominster Employees Call Report trajectory
Leominster Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $28.3M (2025Q4) to $29.3M (2026Q1).
- Net-worth ratio shifted -0.18 pp (11.39% → 11.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 12.0 pts
Leominster Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.21% | -3.65 pp |
| Delinquency Rate | 0.09% | -1.06 pp |
| Return on Assets | 1.02% | +0.31 pp |
| Member Growth | -2.24% | - |
| Loan-to-Share Ratio | 56.32% | -3.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Leominster Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.3M | - |
| 2025Q4 | $28.3M | 1,742 |
| 2024Q4 | $26.9M | 1,782 |
| 2023Q4 | $24.1M | 1,833 |
Credit Union Details
- Charter Number
- 1461
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- LEOMINSTER
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Leominster Employees runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| LEFCU Office (Main Office) | Leominster, MA |
| CompuSource Systems Inc | Amherst, NY |
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.
Cross-state Call Report peers for Leominster Employees
Leominster Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Leominster Employees ranks #1,672 of 4,374 nationally on financial health and #49 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HTM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HTM
- 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 Leominster Employees financially healthy?
Leominster Employees has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,672 of 4,374; by total assets it ranks #2,896 of 4,374 nationally (same basis as /rankings/largest); and #86 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.21% and delinquency rate of 0.09%.
How does Leominster Employees compare to other credit unions?
PlainCU's health composite puts Leominster Employees at 87/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Leominster Employees?
Leominster Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Leominster Employees directly for the exact boundaries and application steps.
Is my money safe at Leominster Employees?
Federal credit unions like Leominster 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. Leominster Employees's net worth ratio of 11.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Leominster Employees offer compared to banks?
Credit unions like Leominster 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 Leominster 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.