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
Call Report peers
Worcester Police Department in the assets neighbourhood
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Worcester Police Department vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Worcester Police Department sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Massachusetts, MORTON (#9) ties at 95/100; one place down, New England Lee (#11) scores 94/100, 1 point lower.
Worcester Police Department Call Report trajectory
Worcester Police Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $25.4M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.48% → 11.66%).
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
Worcester Police Department gives up 5 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Worcester Police Department financially healthy?
Worcester Police Department has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #388 of 4,374 nationally on health and #10 of 126 in Massachusetts. Its net worth ratio is 11.66% and its delinquency rate 0.65%.
How does Worcester Police Department compare to other credit unions?
Worcester Police Department scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.89% vs 59.80%). Its widest shortfall is net worth ratio (11.66% vs 14.86%).
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?
Worcester Police Department is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.