Claremont, NH · Charter 12963
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
33
Profitability
81
Liquidity
38
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Claremont, NH · Charter 12963
NCUA · 1 branch
Q2 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.85% | 1.45% | 1.48% | 1.69% | 1.29% | -1.39% | 1.08% | -40 bps | |
| Return on Equity | 9.58% | 13.56% | 21.39% | 20.44% | 21.10% | 15.28% | -16.59% | 11.09% | -935 bps | |
| Net Interest Margin | 3.82% | 4.14% | 4.83% | 5.02% | 5.25% | 5.37% | 3.28% | 5.01% | -1 bps | |
| Efficiency Ratio | 83.35% | 82.16% | 73.94% | 73.74% | 72.10% | 74.04% | 100.98% | 81.15% | +741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.94% | 3.81% | 0.67% | -1.70% | -7.59% | -10.25% | -6.75% | -3.83% | -212 bps | |
| Loan Growth (YoY) | 4.54% | 6.78% | 6.96% | 6.25% | 10.49% | 6.58% | -0.88% | -6.99% | -1,323 bps | |
| Share Growth (YoY) | 5.75% | 3.49% | -0.61% | -2.54% | -8.42% | -12.24% | -7.84% | -6.33% | -379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 0.72% | 0.37% | 0.23% | 2.03% | 1.84% | 2.18% | 1.05% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.96% | 6.26% | 6.79% | 7.22% | 7.99% | 8.46% | 8.41% | 9.73% | +251 bps | |
| Net Worth / Assets | 5.96% | 6.26% | 6.79% | 7.22% | 7.99% | 8.46% | 8.41% | 9.73% | +251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.60% | 48.86% | 51.41% | 52.88% | 57.43% | 59.34% | 55.29% | 52.51% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Claremont, NH · Charter 12963 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
1.08%
Rank 558 of 1,659
Net Interest Margin
5.02%
Rank 156 of 1,658
Efficiency Ratio
80.94%
Rank 1,028 of 1,656
Equity / Assets
9.73%
Rank 1,335 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.35% | 0.78% | 1.25% | Beats 66% | 558 / 1,659 | ||
| Return on Equity | 11.09% | 2.75% | 6.06% | 9.41% | Beats 85% | 254 / 1,657 | ||
| Net Interest Margin | 5.02% | 3.20% | 3.76% | 4.33% | Beats 91% | 156 / 1,658 | ||
| Efficiency Ratio | 80.94% | 67.69% | 77.34% | 85.79% | Beats 38% | 1,028 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.24% | 0.65% | 1.35% | Beats 33% | 1,117 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 10.20% | 12.57% | 16.16% | Beats 20% | 1,335 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.73% | 10.20% | 12.57% | 16.15% | Beats 19% | 1,335 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.51% | 54.91% | 71.55% | 84.72% | 22nd pctl | 1,286 / 1,658 | ||
| Loans / Assets | 47.41% | 46.17% | 60.56% | 71.91% | 26th pctl | 1,220 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||