State credit union · WORCESTER, Massachusetts · NCUA charter #67683
Worcester Fire Dept.
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $47.7M
- Total assets
- 2,080
- Members
- 12.6%
- Net-worth ratio
Worcester Fire Dept. scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.7M; members 2,080; net-worth ratio 12.61%; health rank #2,857 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,857 of 4,374 health · 2025Q4Worcester Fire Dept. · health 79/100 · $47.7M · 2025Q4
- HEALTH 79/100
- NW 12.6%
- DELQ 0.69%
- ROA 0.06%
- ASSETS $47.7M
- MEM 2,080
- RANK #2,857/4,374
- PHOTO Ocala Community
- BOOK 67683
Call Report peers
Worcester Fire Dept. in the assets neighbourhood
Worcester Fire Dept.'s $47.7M assets sit next to Ocala Community ($47.7M) 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 Fire Dept. 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
79 33rd percentile higher than 33% 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 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.
Where Worcester Fire Dept. diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.69% vs peer 1.15% (-0.45 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.99 pp (26.81% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Worcester Fire Dept. sits in Massachusetts
- In Massachusetts, health place is #86 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #74 of 126.
- Massachusetts membership ordinal: #81 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 Worcester Fire Dept.'s 5300 filing moved
Worcester Fire Dept.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $47.7M (2025Q4) to $47.9M (2026Q1).
- Net-worth ratio shifted -0.02 pp (12.63% → 12.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 7.3 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for Worcester Fire Dept.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.61% | -2.25 pp |
| Delinquency Rate | 0.69% | -0.45 pp |
| Return on Assets | 0.06% | -0.64 pp |
| Member Growth | 0.97% | - |
| Loan-to-Share Ratio | 26.81% | -32.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Worcester Fire Dept. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.9M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Worcester Fire Dept..
| Office | City |
|---|---|
| WORCESTER FIRE DEPARTMENT CREDIT UNION (Main Office) | WORCESTER, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cross-state Call Report peers for Worcester Fire Dept.
Two NCUA Call Report peer sets for Worcester Fire Dept., both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Worcester Fire Dept. ranks #2,857 of 4,374 nationally on financial health and #86 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GOLDMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GOLDMARK
- 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 Fire Dept. financially healthy?
A 12.61% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,857 of 4,374; by total assets it ranks #2,437 of 4,374 nationally (same basis as /rankings/largest); and #74 of 126 within Massachusetts. 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 12.61% 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.
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.