Manchester, NH · Charter 65491
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
58
Profitability
54
Liquidity
56
Efficiency
56
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 65491
NCUA · 3 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 | 0.84% | 0.75% | 0.87% | 0.88% | 0.89% | 0.87% | 0.77% | 0.87% | 0 bps | |
| Return on Equity | 9.64% | 8.47% | 10.09% | 10.04% | 9.95% | 9.65% | 8.50% | 9.20% | -84 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.18% | 3.23% | 3.28% | 3.27% | 3.26% | 3.37% | +14 bps | |
| Efficiency Ratio | 75.10% | 76.74% | 75.12% | 75.00% | 74.60% | 74.55% | 76.72% | 76.19% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | 2.59% | 5.18% | 7.75% | 5.63% | 7.95% | 3.55% | 1.19% | -656 bps | |
| Loan Growth (YoY) | 1.04% | 0.76% | 0.05% | -0.13% | -0.78% | -0.59% | -2.08% | -4.01% | -389 bps | |
| Share Growth (YoY) | -0.14% | 1.69% | 4.12% | 6.83% | 4.83% | 6.35% | 2.14% | -0.48% | -731 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.31% | 0.19% | 0.43% | 0.70% | 0.87% | 0.42% | 0.52% | +9 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 | 8.67% | 8.86% | 8.58% | 8.74% | 8.97% | 9.06% | 9.11% | 9.50% | +76 bps | |
| Net Worth / Assets | 8.67% | 8.86% | 8.58% | 8.74% | 8.97% | 9.06% | 9.11% | 9.50% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.25% | 61.34% | 58.05% | 57.90% | 57.97% | 57.34% | 55.65% | 55.84% | -206 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 65491 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.87%
Rank 716 of 1,683
Net Interest Margin
3.37%
Rank 1,226 of 1,683
Efficiency Ratio
76.18%
Rank 739 of 1,682
Equity / Assets
9.50%
Rank 1,429 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 716 / 1,683 | ||
| Return on Equity | 9.20% | 2.67% | 5.89% | 8.74% | Beats 78% | 368 / 1,681 | ||
| Net Interest Margin | 3.37% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,226 / 1,683 | ||
| Efficiency Ratio | 76.18% | 68.91% | 78.20% | 86.93% | Beats 56% | 739 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 711 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.50% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,429 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.50% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,429 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.84% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,195 / 1,683 | ||
| Loans / Assets | 50.68% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,095 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||