Service
Portsmouth, NH · Charter 24921 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 54 branches
Q2 2026
$6.7BAssets
$5.5BLoans
$5.8BShares
$796.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions $1B-$10B in assets (rank 67 of 435).
- Widest gap: nonperforming loans / loans trails 98% of credit unions $1B-$10B in assets (rank 427 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.94%
Rank 163 of 435
Net Interest Margin
3.79%
Rank 95 of 435
Efficiency Ratio
60.69%
Rank 67 of 435
Equity / Assets
11.89%
Rank 146 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.55% | 0.81% | 1.14% | Beats 63% | 163 / 435 | | |
| Return on Equity | 7.91% | 5.12% | 7.41% | 9.70% | Beats 54% | 199 / 435 | | |
| Net Interest Margin | 3.79% | 3.01% | 3.39% | 3.75% | Beats 78% | 95 / 435 | | |
| Efficiency Ratio | 60.69% | 65.25% | 71.39% | 77.86% | Beats 85% | 67 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.60% | 0.45% | 0.69% | 1.05% | Beats 2% | 427 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 9.81% | 10.84% | 12.63% | Beats 66% | 146 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.89% | 9.81% | 10.84% | 12.63% | Beats 66% | 146 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.85% | 78.33% | 88.38% | 95.61% | 73rd pctl | 117 / 435 | | |
| Loans / Assets | 82.64% | 67.69% | 74.58% | 80.80% | 85th pctl | 67 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |