Charter 24923 · Littleton, MA
Workers Federal Credit Union
Workers Federal Credit Union is a federally chartered credit union in Littleton, Massachusetts, with $2.49 billion in assets and 119,940 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.05%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Workers Financial Services, LLC, Workers Credit Union.
- Total assets
- $2.49 billion
- +2.2% in a year
- Members
- 119,940
- -2.5% in a year
- Net worth ratio
- 10.05%
- Peer median 10.79%
- Loans 60+ days late
- 0.81%
- Peer median 0.67%
- Loans outstanding
- $1.95 billion
- +8.7% in a year
- Shares and deposits
- $1.87 billion
- +1.6% in a year
- Branches
- 11
- 353 employees
- Opened
- 1914
- Federal charter
How Workers Federal Credit Union compares
NCUA groups credit unions by size; Workers Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.05% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.81%, is higher than the group median of 0.67%. Loans grew 8.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 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 | $2.49 billion | 119,940 | $1.95 billion | 10.05% | 0.81% |
| Q1 2026 | $2.51 billion | 119,644 | $1.98 billion | 10.04% | 1.04% |
| Q4 2025 | $2.49 billion | 119,582 | $1.95 billion | 10.17% | 1.21% |
| Q3 2025 | $2.46 billion | 122,885 | $1.88 billion | 10.74% | 1.27% |
| Q2 2025 | $2.44 billion | 122,979 | $1.79 billion | 10.79% | 1.46% |
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 2.5 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Workers 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.
- Fitchburg Office
815 Main St, Fitchburg, MA 01420 - Gardner
171 Main St, Gardner, MA 01440 - Orange Office
32 New Athol Rd, Orange, MA 01364 - Lancaster Office
145 Main St, Lancaster, MA 01523 - Lunenburg Office
603 Massachusetts Ave, Lunenburg, MA 01462 - Townsend Office
221 Main St, Townsend, MA 01469 - Groton Office
308 Main St, Groton, MA 01450 - Chelmsford Office
6 Turnpike Rd, Chelmsford, MA 01824 - Westford Office
294 Littleton Road #296, Westford, MA 01886 - Athol Office
107 Tower Rd, Athol, MA 01331 - Worcester - Trolley Yard
301 Grove St Ste 1, Worcester, MA 01605 - Main Office (main office)
119 Russell St, Littleton, MA 01460
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