PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lighthouse

Dover, NH · Charter 24964

NCUA · 20 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BShares
$225.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.78%, up 55 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.38% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.15%, down 52 bps from a year ago.
  • Funding: loans stand at 103.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.78%+55 bps YoY

Net Interest Margin (quarter, annualized)

3.85%-15 bps YoY

Efficiency Ratio (quarter, annualized)

74.55%-1,046 bps YoY

Net Worth / Assets

10.15%-52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.39%0.38%1.31%0.78%+55 bps
Return on Equity2.19%3.65%3.61%12.13%7.70%+551 bps
Net Interest Margin4.00%4.05%4.02%4.03%3.85%-15 bps
Efficiency Ratio85.01%82.82%82.36%69.77%74.55%-1,046 bps
Growth
Asset Growth (YoY)n/a2.89%6.49%7.23%12.14%n/a
Loan Growth (YoY)n/a3.72%5.52%7.66%12.98%n/a
Share Growth (YoY)n/a0.30%7.76%7.79%12.51%n/a
Asset Quality
Delinquent Loans / Loans0.37%0.44%0.43%0.35%0.38%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.67%10.74%10.60%10.76%10.15%-52 bps
Net Worth / Assets10.67%10.74%10.60%10.76%10.15%-52 bps
Liquidity & Funding
Loans / Shares103.13%104.35%98.30%98.92%103.56%+43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps