Worcester, MA · Charter 67599
NCUA · 2 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 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
75
Asset Quality
88
Profitability
23
Liquidity
100
Efficiency
20
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 67599
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.63% | 0.65% | 0.60% | 0.60% | 0.58% | 0.27% | 0.36% | -24 bps | |
| Return on Equity | 4.07% | 3.83% | 4.04% | 3.69% | 3.67% | 3.61% | 1.64% | 2.18% | -151 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.01% | 3.10% | 3.11% | 3.11% | 3.14% | 3.21% | +11 bps | |
| Efficiency Ratio | 81.10% | 82.04% | 80.41% | 82.30% | 82.48% | 82.90% | 91.49% | 89.13% | +684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 0.35% | 1.77% | 2.78% | 2.63% | 5.41% | 1.07% | 0.60% | -218 bps | |
| Loan Growth (YoY) | 2.77% | 2.04% | -0.95% | -0.71% | 0.61% | 1.54% | 5.36% | 4.89% | +560 bps | |
| Share Growth (YoY) | 0.51% | -0.40% | 1.19% | 2.20% | 2.19% | 5.08% | 0.11% | -0.40% | -259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.02% | 0.08% | 0.07% | 0.03% | 0.05% | 0.07% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.07% | 16.39% | 15.97% | 16.22% | 16.23% | 16.13% | 16.30% | 16.60% | +38 bps | |
| Net Worth / Assets | 16.07% | 16.39% | 15.97% | 16.22% | 16.23% | 16.13% | 16.30% | 16.60% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.74% | 67.58% | 63.57% | 65.77% | 66.69% | 65.31% | 66.91% | 69.26% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Worcester, MA · Charter 67599 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.36%
Rank 1,253 of 1,683
Net Interest Margin
3.21%
Rank 1,327 of 1,683
Efficiency Ratio
89.15%
Rank 1,354 of 1,682
Equity / Assets
16.60%
Rank 418 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,253 / 1,683 | ||
| Return on Equity | 2.18% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,325 / 1,681 | ||
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,327 / 1,683 | ||
| Efficiency Ratio | 89.15% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,354 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 203 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.60% | 10.44% | 12.89% | 16.53% | Beats 75% | 418 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.60% | 10.44% | 12.89% | 16.53% | Beats 75% | 418 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.26% | 52.61% | 69.38% | 83.50% | 50th pctl | 845 / 1,683 | ||
| Loans / Assets | 57.40% | 44.71% | 59.18% | 70.72% | 46th pctl | 907 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||