Granite State
Manchester, NH · Charter 63272 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$749.5MAssets
$527.0MLoans
$670.3MShares
$74.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 187 of 1681).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets (rank 1365 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |