Manchester, NH · Charter 63272
NCUA · 10 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
19
Asset Quality
60
Profitability
82
Liquidity
59
Efficiency
58
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 63272
NCUA · 10 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 | 1.07% | 0.88% | 0.74% | 0.78% | 0.77% | 0.68% | 1.14% | 1.11% | +33 bps | |
| Return on Equity | 11.48% | 9.52% | 8.08% | 8.37% | 8.14% | 7.19% | 11.93% | 11.25% | +288 bps | |
| Net Interest Margin | 4.35% | 4.34% | 4.31% | 4.43% | 4.54% | 4.52% | 4.60% | 4.70% | +28 bps | |
| Efficiency Ratio | 76.67% | 77.29% | 82.13% | 81.02% | 81.02% | 81.10% | 75.53% | 75.73% | -528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | 1.35% | 1.71% | 3.25% | 4.58% | 5.23% | 3.41% | 2.48% | -77 bps | |
| Loan Growth (YoY) | -0.03% | 1.09% | 3.59% | 4.82% | 5.78% | 6.21% | 5.70% | 4.45% | -37 bps | |
| Share Growth (YoY) | 4.12% | 0.32% | 0.78% | 2.58% | 4.12% | 4.70% | 2.83% | 1.77% | -81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.90% | 0.59% | 0.93% | 0.73% | 0.72% | 0.49% | 0.49% | -44 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 | 9.30% | 9.23% | 9.13% | 9.31% | 9.51% | 9.40% | 9.55% | 9.88% | +57 bps | |
| Net Worth / Assets | 9.30% | 9.23% | 9.13% | 9.31% | 9.51% | 9.40% | 9.55% | 9.88% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.65% | 76.72% | 74.78% | 76.60% | 78.89% | 77.83% | 76.87% | 78.62% | +202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manchester, NH · Charter 63272 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
1.11%
Rank 489 of 1,683
Net Interest Margin
4.70%
Rank 250 of 1,683
Efficiency Ratio
75.73%
Rank 707 of 1,682
Equity / Assets
9.88%
Rank 1,365 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 489 / 1,683 | ||
| Return on Equity | 11.25% | 2.67% | 5.89% | 8.74% | Beats 89% | 187 / 1,681 | ||
| Net Interest Margin | 4.70% | 3.31% | 3.82% | 4.32% | Beats 85% | 250 / 1,683 | ||
| Efficiency Ratio | 75.73% | 68.91% | 78.20% | 86.93% | Beats 58% | 707 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 676 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,365 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.88% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,365 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.62% | 52.61% | 69.38% | 83.50% | 67th pctl | 561 / 1,683 | ||
| Loans / Assets | 70.31% | 44.71% | 59.18% | 70.72% | 74th pctl | 436 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||