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
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Norwood Town Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Norwood Town Employees sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Massachusetts, ATHOL (#109) scores 70/100, 1 point higher; one place down, HOMEFIELD (#111) ties at 69/100.
How Norwood Town Employees's 5300 filing moved
Norwood Town Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.08 pp (26.92% → 26.84%).
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
Norwood Town Employees gives up 31 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Norwood Town Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Norwood Town Employees scores 69/100 (Good), with a 26.84% net worth ratio and 6.92% of loans delinquent. It ranks #3,628 of 4,374 nationally on health and #110 of 126 in Massachusetts.
How does Norwood Town Employees compare to other credit unions?
Norwood Town Employees scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (26.84% vs 19.06%). Its widest shortfall is delinquency rate (6.92% vs 1.81%).
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?
Norwood Town Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.