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 | |