Worcester
Worcester, MA · Charter 64144 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$107.3MAssets
$74.1MLoans
$95.8MShares
$12.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets (rank 533 of 1681).
- Widest gap: net interest margin trails 66% of credit unions under $1B in assets (rank 1107 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |