PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members First Credit Union of N.H.

Manchester, NH · Charter 65491

NCUA · 3 branches

Q2 2026

$277.1MAssets
$140.5MLoans
$251.5MShares
$26.3MNet 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 0.87%, unchanged from a year ago; NIM at 3.37%.
  • Asset quality: problem loans at 0.52% of loans (+9 bps YoY).
  • Capital: net worth / assets of 9.50%, up 76 bps from a year ago.
  • Funding: loans stand at 55.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%0 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+14 bps YoY

Efficiency Ratio (YTD, annualized)

76.19%+119 bps YoY

Net Worth / Assets

9.50%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.89%0.87%0.77%0.87%0 bps
Return on Equity10.04%9.95%9.65%8.50%9.20%-84 bps
Net Interest Margin3.23%3.28%3.27%3.26%3.37%+14 bps
Efficiency Ratio75.00%74.60%74.55%76.72%76.19%+119 bps
Growth
Asset Growth (YoY)7.75%5.63%7.95%3.55%1.19%-656 bps
Loan Growth (YoY)-0.13%-0.78%-0.59%-2.08%-4.01%-389 bps
Share Growth (YoY)6.83%4.83%6.35%2.14%-0.48%-731 bps
Asset Quality
Delinquent Loans / Loans0.43%0.70%0.87%0.42%0.52%+9 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 Capital8.74%8.97%9.06%9.11%9.50%+76 bps
Net Worth / Assets8.74%8.97%9.06%9.11%9.50%+76 bps
Liquidity & Funding
Loans / Shares57.90%57.97%57.34%55.65%55.84%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps