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Worcester Fire Dept.

Worcester, MA · Charter 67683

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Worcester Fire Dept.

Worcester, MA · Charter 67683

NCUA · 1 branch

Q2 2026

$47.1MAssets
$10.2MLoans
$40.9MShares
$6.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.85%, up 45 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.91% of loans (-60 bps YoY).
  • Capital: net worth / assets of 13.18%, up 8 bps from a year ago.
  • Funding: loans stand at 25.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+57 bps YoY

Efficiency Ratio (YTD, annualized)

69.72%-1,339 bps YoY

Net Worth / Assets

13.18%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.07%0.29%0.40%0.52%0.43%0.36%0.85%+45 bps
Return on Equity0.47%0.51%2.20%3.03%3.91%3.43%2.85%6.45%+342 bps
Net Interest Margin1.83%1.88%2.17%2.28%2.39%2.30%2.45%2.85%+57 bps
Efficiency Ratio96.09%95.09%88.13%83.11%79.50%80.67%71.24%69.72%-1,339 bps
Growth
Asset Growth (YoY)-3.25%-1.53%-2.33%-0.26%-1.33%6.13%8.35%5.08%+534 bps
Loan Growth (YoY)5.75%11.68%15.85%9.42%13.61%1.12%-6.31%-4.69%-1,410 bps
Share Growth (YoY)-3.68%-1.80%-2.82%-0.69%-1.92%3.70%8.87%4.98%+567 bps
Asset Quality
Delinquent Loans / Loans0.34%0.81%0.86%1.51%1.12%0.69%1.04%0.91%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.88%13.17%13.10%13.24%12.63%12.61%13.18%+8 bps
Net Worth / Assets12.65%12.88%13.17%13.10%13.24%12.63%12.61%13.18%+8 bps
Liquidity & Funding
Loans / Shares23.77%27.49%28.51%27.56%27.54%26.81%24.54%25.03%-254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Worcester Fire Dept.

Worcester, MA · Charter 67683 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$47.1MAssets
$10.2MLoans
$40.9MShares
$6.2MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets (rank 448 of 1682).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1521 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.85%

Rank 734 of 1,683

Net Interest Margin

2.85%

Rank 1,521 of 1,683

Efficiency Ratio

69.76%

Rank 448 of 1,682

Equity / Assets

13.18%

Rank 786 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.35%0.74%1.18%Beats 56%734 / 1,683
Return on Equity6.44%2.67%5.89%8.74%Beats 55%752 / 1,681
Net Interest Margin2.85%3.31%3.82%4.32%Beats 10%1,521 / 1,683
Efficiency Ratio69.76%68.91%78.20%86.93%Beats 73%448 / 1,682
Asset Quality
Nonperforming Loans / Loans0.91%0.26%0.65%1.29%Beats 37%1,054 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.18%10.44%12.89%16.53%Beats 53%786 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.18%10.44%12.89%16.53%Beats 53%786 / 1,683
Liquidity & Funding
Loans / Deposits25.03%52.61%69.38%83.50%3rd pctl1,632 / 1,683
Loans / Assets21.70%44.71%59.18%70.72%3rd pctl1,627 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution