State credit union · WORCESTER, Massachusetts · NCUA charter #67683
Worcester Fire Dept.
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $47.7M
- Total assets
- 2,080
- Members
- 10.9%
- Net-worth ratio
Worcester Fire Dept. - Share Insurance Coverage
Charter #67683'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.
Worcester Fire Dept. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)49
- Member growth68
- Liquidity (loan-to-share)56
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.93% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | 0.97% | 15% |
| Loan-to-Share Ratio | 26.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $47.7M | 2,080 |
| 2024Q4 | $44.9M | 2,060 |
| 2023Q4 | $45.6M | 2,054 |
Credit Union Details
- Charter Number
- 67683
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- WORCESTER
- Data Quarter
- 2025Q4
What This Data Says About Worcester Fire Dept.
The five-factor composite scores Worcester Fire Dept. at 79/100 (Very Good), reflecting a net worth ratio of 10.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in WORCESTER, Massachusetts, reports 2,080 members, $47.7M in total assets, and $10.9M in outstanding loans as of Q4 2025 under charter #67683 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.69% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 26.81% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.06% on net income of $30K 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 0.97%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
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 Worcester Fire Dept. financially healthy?
A 10.93% net worth ratio and a 0.69% delinquency rate feed into Worcester Fire Dept.'s financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Worcester Fire Dept. compare to other credit unions?
79/100 is Worcester Fire Dept.'s score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fire Dept.?
Membership eligibility for Worcester Fire Dept. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Worcester Fire Dept. directly for current membership requirements and application steps.
Is my money safe at Worcester Fire Dept.?
Federal credit unions like Worcester Fire Dept. 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 Fire Dept.'s net worth ratio of 10.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Worcester Fire Dept. offer compared to banks?
Credit unions like Worcester Fire Dept. 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 Fire Dept. 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.