DIRECT
Federal • Needham, Massachusetts • Est. 1953
Quick Facts
- Charter Number
- #9071
- Type
- Federal
- Established
- 1953
- Headquarters
- Needham, Massachusetts 02494
- Address
- 50 Cabot St, PO Box 9123
- Branches
- 2
- Members
- 23,250
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
23,250 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DIRECT |
|---|---|
| Total Assets | $785.9M |
| Members | 23,250 |
| Loans Outstanding | $700.2M |
| Shares & Deposits | $615.0M |
| Net Worth | $89.6M |
| Net Worth Ratio | 11.40% |
| Loan-to-Share Ratio | 113.8% |
| Delinquency Rate | 0.53% |
| Net Income | $-1,577,057 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Wescom Resource Group
5601 E La Palma Ave
Anaheim, CA 92807-2109
Main Branch
Main Office50 Cabot St
Needham, MA 02494
Who Can Join DIRECT?
Membership Type: Other/Unknown
Membership eligibility for DIRECT may vary. Contact the credit union directly to confirm qualification requirements.
Contact DIRECT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. DIRECT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, DIRECT has 23,250 members and a potential membership field of 2,412,000 people.
DIRECT's net worth ratio is 11.40% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.4%, DIRECT meets this threshold.
DIRECT operates 2 branch locations. The main office is located at 50 Cabot St, Needham, MA 02494.
DIRECT was established in 1953. It is a federal credit union chartered under charter number 9071. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DIRECT. All financial data is for informational purposes only.