Federal credit union · Littleton, Massachusetts · NCUA charter #24923
WORKERS
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $2.49B
- Total assets
- 119,582
- Members
- 10.0%
- Net-worth ratio
WORKERS scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.49B; members 119,582; net-worth ratio 10.04%; health rank #4,034 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,034 of 4,374 health · 2025Q4WORKERS · health 61/100 · $2.49B · 2025Q4
Call Report peers
WORKERS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WORKERS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WORKERS sits in 60-64 with 179 others.
61 8th percentile higher than 8% 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
Peer-gap read for WORKERS
- Loan-to-Share Ratio leads the peer set - 105.52% here, 83.90% peer average (+21.62 pp).
- Widest shortfall vs peers is Return on Assets: -3.63 pp (-3.13% vs 0.51%).
WORKERS in Massachusetts
- Health composite ranks #119 of 126 among scored Massachusetts credit unions.
- By total assets, WORKERS is #4 of 126 in Massachusetts.
- Membership ranks #4 of 126 among Massachusetts CUs with a reported count (119,582 members).
- One place up in Massachusetts, DIRECT (#118) ties at 61/100; one place down, ALIGN (#120) scores 59/100, 2 points lower.
WORKERS: 2025Q4 → 2026Q1
WORKERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $2.49B (2025Q4) to $2.51B (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.17% → 10.04%).
10.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
WORKERS gives up 39 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 0.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 8.8 pts
WORKERS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.04% | -1.14 pp |
| Delinquency Rate | 1.21% | +0.34 pp |
| Return on Assets | -3.13% | -3.63 pp |
| Member Growth | -2.91% | - |
| Loan-to-Share Ratio | 105.52% | +21.62 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
WORKERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.51B | - |
| 2025Q4 | $2.49B | 119,582 |
| 2024Q4 | $2.47B | 123,161 |
| 2023Q4 | $2.64B | 123,759 |
Credit Union Details
- Charter Number
- 24923
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Littleton
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, WORKERS runs 13 offices in 13 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Littleton, MA |
| Athol Office | Athol, MA |
| Chelmsford Office | Chelmsford, MA |
| Fitchburg Office | Fitchburg, MA |
| Gardner | Gardner, MA |
| Groton Office | Groton, MA |
| Lancaster Office | Lancaster, MA |
| Lowell | Lowell, MA |
| Lunenburg Office | Lunenburg, MA |
| Orange Office | Orange, MA |
| Townsend Office | Townsend, MA |
| Westford Office | Westford, MA |
| Worcester - Trolley Yard | 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.
WORKERS nationwide neighbourhoods
Using this data
- WORKERS ranks #4,034 of 4,374 nationally on financial health and #119 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HANSCOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HANSCOM
Frequently Asked Questions
Is WORKERS financially healthy?
WORKERS has a financial health score of 61/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,034 of 4,374 nationally on health and #119 of 126 in Massachusetts. Its net worth ratio is 10.04% and its delinquency rate 1.21%.
How does WORKERS compare to other credit unions?
WORKERS scores 61/100, higher than 8% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (105.52% vs 83.90%). Its widest shortfall is return on assets (-3.13% vs 0.51%).
How can I join WORKERS?
WORKERS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WORKERS directly for the exact boundaries and application steps.
Is my money safe at WORKERS?
WORKERS 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. WORKERS's net worth ratio of 10.04% 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.