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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 734 / 1,683 | |
| Return on Equity | 6.44% | 2.67% | 5.89% | 8.74% | Beats 55% | 752 / 1,681 | |
| Net Interest Margin | 2.85% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,521 / 1,683 | |
| Efficiency Ratio | 69.76% | 68.91% | 78.20% | 86.93% | Beats 73% | 448 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,054 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 786 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 786 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 25.03% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,632 / 1,683 | |
| Loans / Assets | 21.70% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,627 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |