State credit union · Worcester, Massachusetts · NCUA charter #64144
WORCESTER
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $105.0M
- Total assets
- 6,392
- Members
- 11.5%
- Net-worth ratio
WORCESTER scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.0M; members 6,392; net-worth ratio 11.50%; health rank #2,289 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,289 of 4,374 health · 2025Q4WORCESTER · health 83/100 · $105.0M · 2025Q4
- RANK 83/100
- PHOTO 11.5%
- BOOK 0.69%
- CHARTER 0.58%
- NCUSIF $105.0M
- CAMELS 6,392
- HEALTH #2,289/4,374
- NW CONSUMERS
- DELQ 64144
Call Report peers
WORCESTER in the assets neighbourhood
WORCESTER's $105.0M assets sit next to CONSUMERS ($105.0M) 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.
WORCESTER 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
83 46th percentile higher than 46% 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
WORCESTER - Share Insurance Coverage
Charter #64144'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.
Where WORCESTER diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.62% here, 72.20% peer average (+0.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.61 pp (11.50% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for WORCESTER
- In Massachusetts, health place is #67 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #59 of 126.
- Membership ranks #54 of 126 among Massachusetts CUs with a reported count (6,392 members).
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 WORCESTER
WORCESTER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $105.0M (2025Q4) to $107.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.56% → 11.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
WORCESTER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.50% | -0.61 pp |
| Delinquency Rate | 0.69% | -0.21 pp |
| Return on Assets | 0.58% | -0.04 pp |
| Member Growth | -17.33% | - |
| Loan-to-Share Ratio | 72.62% | +0.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
WORCESTER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.1M | - |
| 2025Q4 | $105.0M | 6,392 |
| 2024Q4 | $97.2M | 7,732 |
| 2023Q4 | $99.2M | 7,937 |
Credit Union Details
- Charter Number
- 64144
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Worcester
- Data Quarter
- 2025Q4
Branch Location
WORCESTER operates a single office in Worcester, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate (Main Office) | Worcester, MA |
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.
Nationwide credit unions with similar profiles
WORCESTER's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($105.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- WORCESTER ranks #2,289 of 4,374 nationally on financial health and #67 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NESC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NESC
- 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 WORCESTER financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, WORCESTER carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,289 of 4,374; by total assets it ranks #1,785 of 4,374 nationally (same basis as /rankings/largest); and #59 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.50% net worth ratio and a 0.69% delinquency rate.
How does WORCESTER compare to other credit unions?
PlainCU's health composite puts WORCESTER at 83/100, compared to a peer group average for $100M–$500M 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 WORCESTER?
Membership eligibility for WORCESTER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WORCESTER directly for current membership requirements and application steps.
Is my money safe at WORCESTER?
Federal credit unions like WORCESTER 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. WORCESTER's net worth ratio of 11.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WORCESTER offer compared to banks?
Credit unions like WORCESTER 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 WORCESTER 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.