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Letter portraitLegal landscapeQuarterYTD

Worcester Police Department

Worcester, MA · Charter 24868

NCUA · 1 branch

Q2 2026

$25.5MAssets
$19.1MLoans
$22.2MShares
$3.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.40%, down 14 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.48% of loans (-34 bps YoY).
  • Capital: net worth / assets of 11.67%, up 16 bps from a year ago.
  • Funding: loans stand at 86.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+6 bps YoY

Efficiency Ratio (YTD, annualized)

88.79%+233 bps YoY

Net Worth / Assets

11.67%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.49%0.48%0.37%0.40%-14 bps
Return on Equity4.75%4.28%4.21%3.17%3.47%-129 bps
Net Interest Margin3.70%3.62%3.62%3.64%3.76%+6 bps
Efficiency Ratio86.46%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 / Loans0.82%0.37%0.65%0.20%0.48%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.51%11.37%11.48%11.66%11.67%+16 bps
Net Worth / Assets11.51%11.37%11.48%11.66%11.67%+16 bps
Liquidity & Funding
Loans / Shares87.61%86.79%86.89%87.20%86.02%-159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps