Worcester Fire Dept.

WORCESTER, MA · 2 · Charter #67683 · www.wfdcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$47.7M
98th percentile
Members
2,080
67th percentile
Total loans
$10.9M
69th percentile
Total shares
$40.6M
98th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
2.30%
7th percentile
Efficiency ratio
65.64%
52th percentile
Non-interest income ratio
6.99%
41th percentile

Capital & Risk

Net worth ratio
12.63%
35th percentile
Delinquency rate
0.69%
50th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
26.81%
9th percentile

Growth

Member growth YoY
0.97%
77th percentile
Asset growth YoY
6.13%
80th percentile
Loan growth YoY
1.12%
67th percentile
Share growth YoY
3.70%
68th percentile

Operations

Members / branch
2,080
79th percentile
Assets / member
$22,935
98th percentile
Field of membership penetration
69.33%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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