PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

1.04%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+16 bps YoY

Efficiency Ratio (quarter, annualized)

73.49%-188 bps YoY

Net Worth / Assets

9.31%+23 bps YoY

Discrete quarter, annualized.

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