Federal credit union · Worcester, Massachusetts · NCUA charter #24868
Worcester Police Department
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $25.4M
- Total assets
- 1,258
- Members
- 11.7%
- Net-worth ratio
Worcester Police Department scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.4M; members 1,258; net-worth ratio 11.66%; health rank #388 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#388 of 4,374 health · 2025Q4Worcester Police Department · health 95/100 · $25.4M · 2025Q4
- ROA 95/100
- ASSETS 11.7%
- MEM 0.65%
- RANK 0.73%
- PHOTO $25.4M
- BOOK 1,258
- CHARTER #388/4,374
- NCUSIF Allegany First
- CAMELS 24868
Call Report peers
Worcester Police Department in the assets neighbourhood
Worcester Police Department's $25.4M assets sit next to Allegany First ($25.4M) 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 Police Department 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
95 Top 10% higher than 90% 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 Police Department - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24868, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Worcester Police Department vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 86.89% here, 59.80% peer average (+27.09 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.20 pp (11.66% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Worcester Police Department in Massachusetts
- Health composite ranks #10 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #91 of 126.
- Membership ranks #99 of 126 among Massachusetts CUs with a reported count (1,258 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.
Worcester Police Department Call Report trajectory
Worcester Police Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $25.4M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.48% → 11.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Worcester Police Department
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -3.20 pp |
| Delinquency Rate | 0.65% | -0.49 pp |
| Return on Assets | 0.73% | +0.02 pp |
| Member Growth | 2.44% | - |
| Loan-to-Share Ratio | 86.89% | +27.09 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 Police Department quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.2M | - |
| 2025Q4 | $25.4M | 1,258 |
| 2024Q4 | $23.2M | 1,228 |
| 2023Q4 | $23.6M | 1,202 |
Credit Union Details
- Charter Number
- 24868
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Worcester
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Worcester Police Department, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| WPDCU (Main Office) | Worcester, MA |
| Vital Records Center | Salt Lake City, UT |
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.
Worcester Police Department nationwide neighbourhoods
Cross-state asset and health neighbours for Worcester Police Department - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Worcester Police Department ranks #388 of 4,374 nationally on financial health and #10 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Attleboro M E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Attleboro M E
- 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 Police Department financially healthy?
A 11.66% net worth ratio and a 0.65% delinquency rate feed into Worcester Police Department's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #388 of 4,374; by total assets it ranks #2,982 of 4,374 nationally (same basis as /rankings/largest); and #91 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Worcester Police Department compare to other credit unions?
Worcester Police Department scores 95/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Police Department?
Worcester Police Department 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 Worcester Police Department directly to confirm current membership steps.
Is my money safe at Worcester Police Department?
Federal credit unions like Worcester Police Department 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 Police Department's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Worcester Police Department offer compared to banks?
Credit unions like Worcester Police Department 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 Police Department 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.