Charter 12334 · Methuen, MA
Nesc Federal Credit Union
Nesc Federal Credit Union is a federally chartered credit union in Methuen, Massachusetts, with $126 million in assets and 7,879 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.61%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as NESC Credit Union.
- Total assets
- $126 million
- +4.1% in a year
- Members
- 7,879
- +0.1% in a year
- Net worth ratio
- 10.61%
- Peer median 11.65%
- Loans 60+ days late
- 0.91%
- Peer median 0.70%
- Loans outstanding
- $88.1 million
- +1.9% in a year
- Shares and deposits
- $112 million
- +4.2% in a year
- Branches
- 4
- 27 employees
- Opened
- 1958
- Federal charter
How Nesc Federal Credit Union compares
NCUA groups credit unions by size; Nesc Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.61% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.91%, is higher than the group median of 0.70%. Loans grew 1.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 52 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $126 million | 7,879 | $88.1 million | 10.61% | 0.91% |
| Q1 2026 | $126 million | 7,872 | $86.5 million | 10.47% | 0.72% |
| Q4 2025 | $121 million | 7,860 | $88.0 million | 10.74% | 0.94% |
| Q3 2025 | $121 million | 7,869 | $86.4 million | 10.54% | 0.42% |
| Q2 2025 | $121 million | 7,874 | $86.5 million | 10.34% | 0.50% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Nesc Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- NESC FCU (main office)
248 Pleasant St, Methuen, MA 01844 - METHUEN BRANCH
244 Pleasant St, Methuen, MA 01844 - ANDOVER IRS BRANCH
310 Lowell St, Andover, MA 01810 - LAWRENCE BRANCH
14 Amesbury St, Lawrence, MA 01840
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology