Manchester, NH · Charter 60747
NCUA · 3 branches
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 | 0.22% | 0.18% | 0.17% | 0.12% | 0.30% | 0.34% | 0.24% | 0.28% | +16 bps | |
| Return on Equity | 2.23% | 1.87% | 1.71% | 1.20% | 3.14% | 3.54% | 2.51% | 2.97% | +178 bps | |
| Net Interest Margin | 2.45% | 2.47% | 2.62% | 2.70% | 2.72% | 2.70% | 2.81% | 2.83% | +13 bps | |
| Efficiency Ratio | 89.12% | 88.12% | 94.43% | 90.06% | 87.39% | 85.96% | 90.47% | 87.23% | -284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 3.08% | 3.09% | 3.50% | 4.94% | 6.46% | 8.35% | 8.11% | +461 bps | |
| Loan Growth (YoY) | 3.50% | 8.38% | 4.27% | 4.50% | 10.21% | 4.30% | 5.28% | 4.25% | -24 bps | |
| Share Growth (YoY) | 2.41% | 4.02% | 3.96% | 6.88% | 6.34% | 7.37% | 8.39% | 6.16% | -72 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.25% | 0.09% | 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 | 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 | 9.85% | 9.76% | 9.79% | 9.72% | 9.63% | 9.50% | 9.38% | 9.40% | -32 bps | |
| Net Worth / Assets | 9.85% | 9.76% | 9.79% | 9.72% | 9.63% | 9.50% | 9.38% | 9.40% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.85% | 96.93% | 93.17% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |