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 | |