Worcester, MA · Charter 24868
NCUA · 1 branch
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 under $1B in assets in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
57
Profitability
38
Liquidity
16
Efficiency
17
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 24868
NCUA · 1 branch
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 | 0.55% | 0.49% | 0.48% | 0.37% | 0.40% | -14 bps | |
| Return on Equity | 4.75% | 4.28% | 4.21% | 3.17% | 3.47% | -129 bps | |
| Net Interest Margin | 3.70% | 3.62% | 3.62% | 3.64% | 3.76% | +6 bps | |
| Efficiency Ratio | 86.46% | 86.85% | 86.92% | 90.52% | 88.79% | +233 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.70% | 10.38% | 9.45% | 7.22% | 2.26% | -544 bps | |
| Loan Growth (YoY) | -3.61% | -1.77% | 1.50% | 2.12% | 0.31% | +392 bps | |
| Share Growth (YoY) | 6.51% | 9.68% | 8.83% | 6.42% | 2.17% | -434 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.37% | 0.65% | 0.20% | 0.48% | -34 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 | 11.51% | 11.37% | 11.48% | 11.66% | 11.67% | +16 bps | |
| Net Worth / Assets | 11.51% | 11.37% | 11.48% | 11.66% | 11.67% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.61% | 86.79% | 86.89% | 87.20% | 86.02% | -159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Worcester, MA · Charter 24868 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.41%
Rank 19 of 24
Net Interest Margin
3.75%
Rank 11 of 24
Efficiency Ratio
88.97%
Rank 21 of 24
Equity / Assets
11.67%
Rank 16 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.41% | 0.67% | 1.12% | Beats 21% | 19 / 24 | |
| Return on Equity | 3.50% | 2.16% | 5.02% | 6.69% | Beats 38% | 15 / 24 | |
| Net Interest Margin | 3.75% | 3.10% | 3.61% | 4.01% | Beats 54% | 11 / 24 | |
| Efficiency Ratio | 88.97% | 71.14% | 80.00% | 84.92% | Beats 17% | 21 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.07% | 0.54% | 1.38% | Beats 57% | 11 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.67% | 10.05% | 16.75% | 21.42% | Beats 33% | 16 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.67% | 10.05% | 16.75% | 21.42% | Beats 33% | 16 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.02% | 42.86% | 62.34% | 82.18% | 78th pctl | 5 / 23 | |
| Loans / Assets | 74.85% | 32.11% | 55.16% | 70.89% | 83rd pctl | 4 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||