Manchester, NH · Charter 63829
NCUA · 13 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
90
Profitability
67
Liquidity
15
Efficiency
45
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 63829
NCUA · 13 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 | 1.15% | 1.09% | 0.85% | 0.91% | 0.93% | 0.90% | 0.92% | 0.99% | +8 bps | |
| Return on Equity | 11.86% | 11.31% | 8.98% | 9.35% | 9.48% | 9.20% | 9.23% | 9.89% | +54 bps | |
| Net Interest Margin | 3.45% | 3.39% | 3.27% | 3.37% | 3.40% | 3.42% | 3.55% | 3.53% | +16 bps | |
| Efficiency Ratio | 69.38% | 70.62% | 75.65% | 74.06% | 74.37% | 75.42% | 73.51% | 72.95% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.71% | 8.03% | 9.56% | 8.65% | 8.82% | 7.36% | 4.49% | 6.90% | -174 bps | |
| Loan Growth (YoY) | 6.89% | 6.47% | 6.51% | 8.22% | 8.71% | 9.17% | 10.91% | 11.22% | +300 bps | |
| Share Growth (YoY) | 4.63% | 7.47% | 8.82% | 7.88% | 8.59% | 6.59% | 3.68% | 6.09% | -179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.31% | 0.24% | 0.33% | 0.24% | 0.43% | 0.34% | 0.31% | -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 | 9.69% | 9.62% | 9.49% | 9.70% | 9.77% | 9.81% | 9.95% | 9.96% | +26 bps | |
| Net Worth / Assets | 9.69% | 9.62% | 9.49% | 9.70% | 9.77% | 9.81% | 9.95% | 9.96% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.43% | 94.69% | 93.35% | 95.64% | 96.53% | 96.98% | 99.86% | 100.26% | +462 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 63829 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.99%
Rank 146 of 435
Net Interest Margin
3.53%
Rank 172 of 435
Efficiency Ratio
72.96%
Rank 240 of 435
Equity / Assets
9.96%
Rank 307 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.55% | 0.81% | 1.14% | Beats 66% | 146 / 435 | ||
| Return on Equity | 9.89% | 5.12% | 7.41% | 9.70% | Beats 76% | 103 / 435 | ||
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 60% | 172 / 435 | ||
| Efficiency Ratio | 72.96% | 65.25% | 71.39% | 77.86% | Beats 45% | 240 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 90% | 46 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.96% | 9.81% | 10.84% | 12.63% | Beats 29% | 307 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.96% | 9.81% | 10.84% | 12.63% | Beats 29% | 307 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.26% | 78.33% | 88.38% | 95.61% | 86th pctl | 59 / 435 | ||
| Loans / Assets | 88.51% | 67.69% | 74.58% | 80.80% | 97th pctl | 14 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||