WORCESTER
Charter #64144 · Worcester, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.72% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 70th — a 30-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.09M | 5th pct | 10th pct |
| Members | 6,355 | 8th pct | 28th pct |
| Net worth ratio | 11.50% | 51th pct | 56th pct |
| Return on average assets | 0.69% | 49th pct | 67th pct |
| Net interest margin | 3.50% | 40th pct | 70th pct |
| Cost of funds | 0.72% | 26th pct | 16th pct |
| Loan-to-share | 71.91% | 50th pct | 33th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 44th pct |
| Net charge-off ratio | 0.05% | 12th pct | 36th pct |
| Loan growth YoY | 3.41% | 78th pct | 79th pct |
| Share growth YoY | 5.02% | 71th pct | 74th pct |
| Efficiency ratio | 80.66% | 58th pct | 36th pct |
structural peer set hash: fb9936c64f53d286722d9d6321474e2d… (reproducible)
Closest structural peers
This is the free public view
Claim WORCESTER
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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.