Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jul 2016 |
| RSSD ID | 150491 |
| Address | 815 Main Street, Fitchburg, MA 01420 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Program, Financial Assistance | $510,000 |
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $500,000 |
| 2017 | CDFI Program, Financial Assistance | $596,500 |
Emergency Capital Investment Program (ECIP)
Treasury invested $150 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Listed in the source as “Workers Federal Credit Union”. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as WORKERS (charter 24923). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.5 billion (as of 30 Jun 2026) |
|---|---|
| Members | 119,940 (as of 30 Jun 2026) |
| Offices | 12 (as of 30 Jun 2026) |
Offices by state and county (12)
Massachusetts (12 offices)
- Franklin County (1): 32 New Athol Rd, Orange 01364
- Middlesex County (5): 119 Russell St, Littleton 01460 (main office); 6 Turnpike Rd, Chelmsford 01824; 308 Main St, Groton 01450; 221 Main St, Townsend 01469; 294 Littleton Road #296, Westford 01886
- Worcester County (6): 107 Tower Rd, Athol 01331; 815 Main St, Fitchburg 01420; 171 Main St, Gardner 01440; 145 Main St, Lancaster 01523; 603 Massachusetts Ave, Lunenburg 01462; 301 Grove St Ste 1, Worcester 01605
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Workers Credit Union (NCUA charter 24923, filed as “WORKERS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.95 billion, 39,591 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 8.7% from $1.79 billion on 30 Jun 2025 |
| Members | 119,940 (as of 30 Jun 2026); 122,979 (as of 30 Jun 2025) |
| Loans per member | $16,264 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.49 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $27 million | 1.4% |
| Used vehicle loans | $160.3 million | 8.2% |
| First-lien home mortgages (1-4 family) | $1.20 billion | 61.3% |
| Other real estate loans (junior liens, other) | $121.2 million | 6.2% |
| Commercial (business) loans | $219.2 million | 11.2% |
| Other unsecured loans | $57.5 million | 2.9% |
| Leases and other secured loans | $170 million | 8.7% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Workers Credit Union reported 1,233 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $537.9M (median loan about $315,000). 477 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 477 | 39% |
| Refinance (incl. 301 cash-out) | 384 | 31% |
| Home improvement | 276 | 22% |
| Other purpose | 96 | 7.8% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,233 | 100% |
Included above: 413 home-equity or other open-end lines of credit; 16 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 22 counties with at least one; 91% of its 2025 loans were for properties in Massachusetts:
- Middlesex County, MA (419)
- Worcester County, MA (352)
- Suffolk County, MA (135)
- Essex County, MA (85)
- Hillsborough County, NH (54)
- Norfolk County, MA (47)
- Franklin County, MA (31)
- Plymouth County, MA (27)
Filed under LEI 254900MSO8KVQ05D2J27 as “Workers Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $89,900 (29 loans) | All 7(a) lenders in Massachusetts: $100,000. Larger than the median loan of 14% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 8 → 0 | Rank among the 6 certified CDFIs in Massachusetts with SBA approvals in either period: 4 → 6. |
| Total assets (Call Report, 30 Jun 2026) | $2.49 billion | Larger than 94% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 78% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.79 billion → $1.95 billion (+9%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 15 → 15. |
| Home loans originated in 2025 (HMDA) | 1,233 | More than 95% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 14% |
| SBA approvals then vs now | certified CDFIs in Massachusetts with SBA approvals FY2023–2026 | 5 | rank 4 → 6 of 6 |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 94% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 15 → 15 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 95% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 29 SBA-backed approvals for Workers Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 29 7(a) loans as the lender: $3.6M in total (gross amount approved), median $89,900
By fiscal year: FY2020 2 · FY2021 9 · FY2022 10 · FY2023 6 · FY2024 2 · FY2025 0 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $50,000 and $161,700, median $89,900 (29 loans)
- Term of its 7(a) loans: median 120 months (10 years) (29 loans)
- Fixed or variable: 10% of its 7(a) loans had a fixed rate (29 loans)
- Young businesses: 52% of its 7(a) loans went to a startup or a business two years old or less (29 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (16, 55%)
- 7(a) SBA Express (13, 45%)
Borrower industries
NAICS sector, 3 or more loans.
- Administrative and support and waste management services (6)
- Transportation and warehousing (6)
- Other services (except public administration) (4)
- Construction (4)
- Retail trade (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Worcester County, MA (15)
- Middlesex County, MA (10)
How this lender was matched in the SBA files: NCUA charter 24923, found through the RSSD ID in NCUA records (SBA lists “Workers FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Workers Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Fitchburg and Massachusetts
- North Central Massachusetts Development CorporationLoan fund · Fitchburg, MAMicroloans, Small-business loansVerified
- BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loansVerified
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cape & Islands Community Development Inc.Loan fund · Centerville, MASBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Children's Investment Fund, Inc.Loan fund · Boston, MAChild-care facility financingVerified
- Community Development and Affordable Housing Fund, LLCLoan fund · Brookline, MAAffordable housing development loansVerified
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