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
- NW 61/100
- DELQ 10.0%
- ROA 1.21%
- ASSETS -3.13%
- MEM $2.49B
- RANK 119,582
- PHOTO #4,034/4,374
- BOOK ALLEGACY
- CHARTER 24923
Call Report peers
WORKERS in the assets neighbourhood
WORKERS's $2.49B assets sit next to ALLEGACY ($2.48B) 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.
WORKERS 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
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
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.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WORKERS: 2025Q4 → 2026Q1
WORKERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $2.49B (2025Q4) to $2.51B (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.17% → 10.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
WORKERS's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.49B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
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
- 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 WORKERS financially healthy?
A 10.04% net worth ratio and a 1.21% delinquency rate feed into WORKERS's financial health score of 61/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,034 of 4,374; by total assets it ranks #211 of 4,374 nationally (same basis as /rankings/largest); and #4 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does WORKERS compare to other credit unions?
WORKERS scores 61/100 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 10.04% exceeds 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.
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.