WORCESTER POLICE DEPARTMENT
Charter #24868 · Worcester, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,268 sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.63% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 74th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WORCESTER POLICE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.25M | 50th pct | 38th pct |
| Members | 1,268 | 15th pct | 13th pct |
| Net worth ratio | 11.66% | 33th pct | 41th pct |
| Return on average assets | 0.37% | 34th pct | 33th pct |
| Net interest margin | 3.63% | 39th pct | 23th pct |
| Cost of funds | 1.37% | 73th pct | 70th pct |
| Loan-to-share | 87.20% | 92th pct | 74th pct |
| Delinquency 60+ days | 0.20% | 30th pct | 28th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -0.46% | 67th pct | 56th pct |
| Share growth YoY | -0.93% | 20th pct | 25th pct |
| Efficiency ratio | 90.52% | 74th pct | 74th pct |
structural peer set hash: 005681280ffbe32dee497a004c817a3b… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.