Worcester, MA · Charter 24557
NCUA · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
79
Profitability
77
Liquidity
0
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Worcester, MA · Charter 24557
NCUA · 16 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.58% | 1.62% | 1.72% | 1.76% | +34 bps | |
| Return on Equity | 7.75% | 8.25% | 8.37% | 8.81% | 8.96% | +121 bps | |
| Net Interest Margin | 3.15% | 3.32% | 3.38% | 3.61% | 3.62% | +46 bps | |
| Efficiency Ratio | 59.40% | 57.69% | 57.50% | 57.96% | 57.27% | -213 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | 1.92% | 2.96% | 2.01% | 1.77% | +63 bps | |
| Loan Growth (YoY) | 5.01% | 6.52% | 10.07% | 10.82% | 10.27% | +526 bps | |
| Share Growth (YoY) | 2.61% | 3.92% | 3.68% | 2.51% | -0.22% | -283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.51% | 0.55% | 0.36% | 0.41% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.35% | 19.11% | 19.31% | 19.56% | 19.66% | +132 bps | |
| Net Worth / Assets | 18.35% | 19.11% | 19.31% | 19.56% | 19.66% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.56% | 115.52% | 121.91% | 123.87% | 125.49% | +1,193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Worcester, MA · Charter 24557 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
1.76%
Rank 16 of 435
Net Interest Margin
3.62%
Rank 148 of 435
Efficiency Ratio
57.27%
Rank 35 of 435
Equity / Assets
19.66%
Rank 8 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 0.55% | 0.81% | 1.14% | Beats 96% | 16 / 435 | |
| Return on Equity | 8.96% | 5.12% | 7.41% | 9.70% | Beats 68% | 138 / 435 | |
| Net Interest Margin | 3.62% | 3.01% | 3.39% | 3.75% | Beats 66% | 148 / 435 | |
| Efficiency Ratio | 57.27% | 65.25% | 71.39% | 77.86% | Beats 92% | 35 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.45% | 0.69% | 1.05% | Beats 79% | 94 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.66% | 9.81% | 10.84% | 12.63% | Beats 98% | 8 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.66% | 9.81% | 10.84% | 12.63% | Beats 98% | 8 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 125.49% | 78.33% | 88.38% | 95.61% | 100th pctl | 1 / 435 | |
| Loans / Assets | 86.98% | 67.69% | 74.58% | 80.80% | 94th pctl | 24 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||