Manchester, NH · Charter 60747
NCUA · 3 branches
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
14
Asset Quality
74
Profitability
19
Liquidity
0
Efficiency
24
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.
Manchester, NH · Charter 60747
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.30% | 0.34% | 0.24% | 0.28% | +16 bps | |
| Return on Equity | 1.20% | 3.14% | 3.54% | 2.51% | 2.97% | +178 bps | |
| Net Interest Margin | 2.70% | 2.72% | 2.70% | 2.81% | 2.83% | +13 bps | |
| Efficiency Ratio | 90.06% | 87.39% | 85.96% | 90.47% | 87.23% | -284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 4.94% | 6.46% | 8.35% | 8.11% | +461 bps | |
| Loan Growth (YoY) | 4.50% | 10.21% | 4.30% | 5.28% | 4.25% | -24 bps | |
| Share Growth (YoY) | 6.88% | 6.34% | 7.37% | 8.39% | 6.16% | -72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.20% | 0.28% | 0.19% | 0.28% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.72% | 9.63% | 9.50% | 9.38% | 9.40% | -32 bps | |
| Net Worth / Assets | 9.72% | 9.63% | 9.50% | 9.38% | 9.40% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.53% | 97.26% | 94.17% | 90.50% | 92.83% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manchester, NH · Charter 60747 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.28%
Rank 1,327 of 1,683
Net Interest Margin
2.83%
Rank 1,527 of 1,683
Efficiency Ratio
87.23%
Rank 1,275 of 1,682
Equity / Assets
9.40%
Rank 1,450 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,327 / 1,683 | |
| Return on Equity | 2.97% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,215 / 1,681 | |
| Net Interest Margin | 2.83% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,527 / 1,683 | |
| Efficiency Ratio | 87.23% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,275 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 437 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,450 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,450 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.83% | 52.61% | 69.38% | 83.50% | 91st pctl | 156 / 1,683 | |
| Loans / Assets | 74.56% | 44.71% | 59.18% | 70.72% | 82nd pctl | 299 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||