Lighthouse
Dover, NH · Charter 24964 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 20 branches
Q2 2026
$2.2BAssets
$1.9BLoans
$1.9BShares
$225.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions $1B-$10B in assets (rank 75 of 435).
- Widest gap: equity / assets trails 66% of credit unions $1B-$10B in assets (rank 289 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.78%
Rank 230 of 435
Net Interest Margin
3.85%
Rank 83 of 435
Efficiency Ratio
74.55%
Rank 266 of 435
Equity / Assets
10.15%
Rank 289 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 47% | 230 / 435 | |
| Return on Equity | 7.70% | 5.12% | 7.41% | 9.70% | Beats 53% | 204 / 435 | |
| Net Interest Margin | 3.85% | 3.01% | 3.39% | 3.75% | Beats 81% | 83 / 435 | |
| Efficiency Ratio | 74.55% | 65.25% | 71.39% | 77.86% | Beats 39% | 266 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 83% | 75 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 289 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 289 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 103.56% | 78.33% | 88.38% | 95.61% | 91st pctl | 37 / 435 | |
| Loans / Assets | 86.79% | 67.69% | 74.58% | 80.80% | 93rd pctl | 30 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |