Federal credit union · Tewksbury, Massachusetts · NCUA charter #13926
Tewksbury
Health score 99/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $93.0M
- Total assets
- 5,993
- Members
- 10.8%
- Net-worth ratio
Tewksbury - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13926: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tewksbury - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)96
Weighted composite: 99/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.83% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | 0.58% | 15% |
| Member Growth | 4.32% | 15% |
| Loan-to-Share Ratio | 67.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $93.0M | 5,993 |
| 2024Q4 | $90.2M | 5,745 |
| 2023Q4 | $90.9M | 5,788 |
Credit Union Details
- Charter Number
- 13926
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Tewksbury
- Data Quarter
- 2025Q4
What This Data Says About Tewksbury
The five-factor composite scores Tewksbury at 99/100 (Excellent), reflecting a net worth ratio of 10.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Tewksbury, Massachusetts, reports 5,993 members, $93.0M in total assets, and $55.7M in outstanding loans as of Q4 2025 under charter #13926 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.37% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 67.55% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.58% on net income of $538K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.32%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tewksbury financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - Tewksbury's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.83% net worth ratio and 0.37% delinquency rate are the key drivers.
How does Tewksbury compare to other credit unions?
PlainCU's health composite puts Tewksbury at 99/100, compared to a peer group average for $50M–$100M 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 Tewksbury?
Tewksbury 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 Tewksbury directly for the exact boundaries and application steps.
Is my money safe at Tewksbury?
Federal credit unions like Tewksbury 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. Tewksbury's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tewksbury offer compared to banks?
Credit unions like Tewksbury 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 Tewksbury directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.