Federal credit union · Littleton, Massachusetts · NCUA charter #24923
Workers
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $2.49B
- Total assets
- 119,582
- Members
- 4.1%
- Net-worth ratio
Workers - Share Insurance Coverage
Charter #24923'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.
Workers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)34
- Asset quality (delinquency)74
- Earnings (ROA)0
- Member growth25
- Liquidity (loan-to-share)56
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.14% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.14% | 30% |
| Delinquency Rate | 1.21% | 25% |
| Return on Assets | -3.13% | 15% |
| Member Growth | -2.91% | 15% |
| Loan-to-Share Ratio | 105.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Workers
The five-factor composite scores Workers at 41/100 (Below Average), reflecting a net worth ratio of 4.14% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Littleton, Massachusetts, reports 119,582 members, $2.49B in total assets, and $1.95B in outstanding loans as of Q4 2025 under charter #24923 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
On loan book quality: 1.21% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 105.52% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -3.13% on net income of $-77771450 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 -2.91%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other/Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Workers financially healthy?
A 4.14% net worth ratio and a 1.21% delinquency rate feed into Workers's financial health score of 41/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Workers compare to other credit unions?
Workers scores 41/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Workers 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. Workers's net worth ratio of 4.14% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Workers offer compared to banks?
Credit unions like Workers 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 Workers 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.