Worcester Credit Union
Total assets
$107.1M
▲ +4.2% YoY
Shares & deposits
$95.6M
▲ +3.8% YoY
Loans
$68.7M
▲ +10.4% YoY
Members
6,355
▼ -16.9% YoY
ROA (annualized)
0.69%
peers 0.69%
ROE (annualized)
5.97%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Worcester Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | +10.4% | +2.9% | +7.4 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 6.0% | 5.9% | +0.0 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1976
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 520 W Boylston St, Worcester, MA, 01606
- NCUA charter #
- 64144
- RSSD ID
- 562795
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.1M | $95.6M | $68.7M | $12.3M | $184K | 0.69% | 3.47% | 0.54% | 6,355 |
| Q4 2025 | $105.0M | $93.0M | $67.5M | $12.1M | $993K | 0.95% | 3.48% | 0.69% | 6,392 |
| Q3 2025 | $101.8M | $91.0M | $66.5M | $12.0M | $858K | 1.12% | 3.55% | 0.76% | 6,423 |
| Q2 2025 | $102.4M | $91.8M | $63.7M | $11.8M | $663K | 1.29% | 3.45% | 0.91% | 6,388 |
| Q1 2025 | $102.7M | $92.1M | $62.3M | $11.5M | $336K | 1.31% | 3.29% | 0.63% | 7,645 |
| Q4 2024 | $97.2M | $87.3M | $59.1M | $11.2M | $613K | 0.63% | 3.64% | 1.24% | 7,732 |
| Q3 2024 | $99.6M | $89.4M | $59.9M | $11.0M | $436K | 0.58% | 3.56% | 0.91% | 7,792 |
| Q2 2024 | $96.9M | $87.7M | $59.2M | $10.8M | $252K | 0.52% | 3.63% | 0.78% | 7,804 |
Loan mix (Q1 2026): real estate $61.3M · commercial $0 · consumer $6.4M · securities $21.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Worcester Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.62% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 78.7% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Worcester Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Worcester Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Worcester Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Worcester Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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