Worcester, MA · Charter 64144
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
40
Profitability
54
Liquidity
65
Efficiency
57
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 64144
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 | 1.29% | 1.12% | 0.95% | 0.69% | 0.92% | -37 bps | |
| Return on Equity | 11.23% | 9.54% | 8.19% | 5.97% | 7.86% | -337 bps | |
| Net Interest Margin | 3.45% | 3.55% | 3.48% | 3.47% | 3.52% | +6 bps | |
| Efficiency Ratio | 71.87% | 74.32% | 77.29% | 80.66% | 76.00% | +413 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.73% | 2.24% | 7.93% | 4.25% | 4.80% | -92 bps | |
| Loan Growth (YoY) | 7.50% | 10.92% | 14.18% | 10.37% | 16.41% | +891 bps | |
| Share Growth (YoY) | 4.65% | 1.82% | 6.52% | 3.78% | 4.36% | -29 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.76% | 0.69% | 0.54% | 0.87% | -5 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 | 11.53% | 11.79% | 11.56% | 11.50% | 11.75% | +22 bps | |
| Net Worth / Assets | 11.53% | 11.79% | 11.56% | 11.50% | 11.75% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.39% | 73.03% | 72.62% | 71.91% | 77.40% | +801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Worcester, MA · Charter 64144 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.92%
Rank 654 of 1,683
Net Interest Margin
3.51%
Rank 1,107 of 1,683
Efficiency Ratio
76.04%
Rank 730 of 1,682
Equity / Assets
11.75%
Rank 1,032 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 654 / 1,683 | |
| Return on Equity | 7.85% | 2.67% | 5.89% | 8.74% | Beats 68% | 533 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,107 / 1,683 | |
| Efficiency Ratio | 76.04% | 68.91% | 78.20% | 86.93% | Beats 57% | 730 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,014 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,032 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,032 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.40% | 52.61% | 69.38% | 83.50% | 65th pctl | 593 / 1,683 | |
| Loans / Assets | 69.05% | 44.71% | 59.18% | 70.72% | 72nd pctl | 479 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||