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 | |