Keene, NH · Charter 24816
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
15
Profitability
58
Liquidity
18
Efficiency
54
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.
Keene, NH · Charter 24816
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.96% | 0.78% | 0.46% | 0.62% | 0.59% | 0.78% | 0.95% | +49 bps | |
| Return on Equity | 7.45% | 7.93% | 6.53% | 3.98% | 5.14% | 4.96% | 6.53% | 7.94% | +396 bps | |
| Net Interest Margin | 3.63% | 3.72% | 3.45% | 3.44% | 3.60% | 3.56% | 3.62% | 3.67% | +23 bps | |
| Efficiency Ratio | 73.23% | 71.85% | 80.04% | 80.70% | 79.85% | 80.58% | 81.04% | 76.97% | -373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.24% | -1.71% | -0.33% | 3.44% | 1.36% | 7.16% | 6.02% | 3.55% | +10 bps | |
| Loan Growth (YoY) | -2.33% | -0.30% | -2.55% | 1.80% | -2.14% | -3.69% | -3.07% | -5.44% | -724 bps | |
| Share Growth (YoY) | -2.50% | -2.97% | -1.48% | 3.12% | 0.67% | 7.40% | 6.11% | 3.03% | -9 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.71% | 0.51% | 1.19% | 2.54% | 2.15% | 2.82% | 1.90% | +70 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 | 11.51% | 12.14% | 11.98% | 11.59% | 12.12% | 11.92% | 11.89% | 12.02% | +43 bps | |
| Net Worth / Assets | 11.51% | 12.14% | 11.98% | 11.59% | 12.12% | 11.92% | 11.89% | 12.02% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.96% | 52.49% | 49.47% | 48.28% | 49.54% | 47.07% | 45.19% | 44.31% | -397 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Keene, NH · Charter 24816 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.95%
Rank 633 of 1,683
Net Interest Margin
3.67%
Rank 970 of 1,683
Efficiency Ratio
76.87%
Rank 769 of 1,682
Equity / Assets
12.02%
Rank 993 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.35% | 0.74% | 1.18% | Beats 62% | 633 / 1,683 | ||
| Return on Equity | 7.92% | 2.67% | 5.89% | 8.74% | Beats 69% | 522 / 1,681 | ||
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 970 / 1,683 | ||
| Efficiency Ratio | 76.87% | 68.91% | 78.20% | 86.93% | Beats 54% | 769 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.89% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,428 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.02% | 10.44% | 12.89% | 16.53% | Beats 41% | 993 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.02% | 10.44% | 12.89% | 16.53% | Beats 41% | 993 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.31% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,418 / 1,683 | ||
| Loans / Assets | 38.93% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,396 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||