Federal credit union · Norwood, Massachusetts · NCUA charter #17112
Norwood Town Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $5.7M
- Total assets
- 780
- Members
- 26.8%
- Net-worth ratio
Norwood Town Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 780; net-worth ratio 26.84%; health rank #3,628 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,628 of 4,374 health · 2025Q4Norwood Town Employees · health 69/100 · $5.7M · 2025Q4
- DELQ 69/100
- ROA 26.8%
- ASSETS 6.92%
- MEM 0.47%
- RANK $5.7M
- PHOTO 780
- BOOK #3,628/4,374
- CHARTER n/a
- NCUSIF 17112
Norwood Town Employees carries $5.7M 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.
Norwood 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
69 16th percentile higher than 16% 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
Norwood Town Employees - Share Insurance Coverage
Charter #17112's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Norwood Town Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 26.84% here, 19.06% peer average (+7.78 pp).
- Delinquency Rate trails the peer set - 6.92% here, 1.81% peer average (+5.11 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Norwood Town Employees
- Health composite ranks #110 of 126 among scored Massachusetts credit unions.
- Assets rank #113 of 126 inside Massachusetts ($5.7M reported).
- Massachusetts membership ordinal: #110 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.
How Norwood Town Employees's 5300 filing moved
Norwood Town Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.08 pp (26.92% → 26.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 26.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 14.6 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.2 pts
Norwood Town Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.84% | +7.78 pp |
| Delinquency Rate | 6.92% | +5.11 pp |
| Return on Assets | 0.47% | +0.02 pp |
| Member Growth | 0.13% | - |
| Loan-to-Share Ratio | 71.10% | +7.50 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.7M | 780 |
| 2024Q4 | $5.8M | 779 |
| 2023Q4 | $6.1M | 804 |
Credit Union Details
- Charter Number
- 17112
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Norwood
- Data Quarter
- 2025Q4
Branch Location
Norwood Town Employees operates a single office in Amherst, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CompuSource Systems, Inc. | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Norwood Town Employees
Two NCUA Call Report peer sets for Norwood Town Employees, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Norwood Town Employees ranks #3,628 of 4,374 nationally on financial health and #110 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Health Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Health Alliance
- 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 Norwood Town Employees financially healthy?
A 26.84% net worth ratio and a 6.92% delinquency rate feed into Norwood Town Employees's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,628 of 4,374; by total assets it ranks #3,814 of 4,374 nationally (same basis as /rankings/largest); and #113 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Norwood Town Employees compare to other credit unions?
On PlainCU's health composite, Norwood Town Employees lands at 69/100, 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 Norwood Town Employees?
Norwood 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 Norwood Town Employees directly to confirm current membership steps.
Is my money safe at Norwood Town Employees?
Federal credit unions like Norwood 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. Norwood Town Employees's net worth ratio of 26.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Norwood Town Employees offer compared to banks?
Credit unions like Norwood 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 Norwood 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.