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Holy Rosary

Rochester, NH · Charter 65088

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Holy Rosary

Rochester, NH · Charter 65088

NCUA · 5 branches

Q2 2026

$508.0MAssets
$324.5MLoans
$457.7MShares
$47.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.04%, up 15 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.48% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.31%, up 23 bps from a year ago.
  • Funding: loans stand at 70.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+16 bps YoY

Efficiency Ratio (YTD, annualized)

73.49%-188 bps YoY

Net Worth / Assets

9.31%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.98%0.95%0.96%1.04%+15 bps
Return on Equity9.81%10.65%10.32%10.51%11.17%+136 bps
Net Interest Margin3.15%3.21%3.17%3.25%3.32%+16 bps
Efficiency Ratio75.37%73.88%74.58%75.18%73.49%-188 bps
Growth
Asset Growth (YoY)9.55%9.54%9.98%10.19%9.46%-9 bps
Loan Growth (YoY)8.71%9.90%11.23%11.35%9.63%+92 bps
Share Growth (YoY)8.68%8.90%9.65%10.05%9.38%+70 bps
Asset Quality
Delinquent Loans / Loans0.46%0.29%0.53%0.16%0.48%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.08%9.24%9.18%9.14%9.31%+23 bps
Net Worth / Assets9.08%9.24%9.18%9.14%9.31%+23 bps
Liquidity & Funding
Loans / Shares70.73%71.69%70.45%69.75%70.89%+16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Holy Rosary

Rochester, NH · Charter 65088 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 5 branches

Q2 2026

$508.0MAssets
$324.5MLoans
$457.7MShares
$47.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 2 of 66).
  • Widest gap: equity / assets trails 82% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 54 of 66).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.04%

Rank 15 of 66

Net Interest Margin

3.32%

Rank 31 of 66

Efficiency Ratio

73.49%

Rank 21 of 66

Equity / Assets

9.31%

Rank 54 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.38%0.59%1.00%Beats 77%15 / 66
Return on Equity11.17%2.62%4.89%6.39%Beats 97%2 / 66
Net Interest Margin3.32%2.83%3.27%3.84%Beats 53%31 / 66
Efficiency Ratio73.49%68.43%80.15%87.18%Beats 70%21 / 66
Asset Quality
Nonperforming Loans / Loans0.48%0.08%0.48%1.18%Beats 53%32 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.31%9.84%13.79%17.21%Beats 18%54 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.31%9.84%13.79%17.21%Beats 18%54 / 66
Liquidity & Funding
Loans / Deposits70.89%50.73%71.54%81.61%48th pctl34 / 66
Loans / Assets63.88%40.53%57.05%68.92%62nd pctl25 / 66
Brokered Deposits / Depositsn/aNot reported for this institution