Manchester, NH · Charter 66207
NCUA · 2 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
91
Asset Quality
91
Profitability
73
Liquidity
0
Efficiency
96
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 66207
NCUA · 2 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 | 2.41% | 2.38% | 2.22% | 2.29% | 2.35% | 2.40% | 1.96% | 1.99% | -29 bps | |
| Return on Equity | 11.54% | 10.98% | 10.21% | 10.52% | 10.67% | 10.58% | 8.57% | 8.82% | -170 bps | |
| Net Interest Margin | 3.88% | 3.97% | 3.69% | 3.82% | 3.83% | 3.92% | 3.65% | 3.80% | -2 bps | |
| Efficiency Ratio | 41.90% | 44.10% | 45.08% | 43.84% | 43.61% | 42.91% | 50.00% | 50.48% | +664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.85% | 4.38% | 3.69% | 8.03% | 5.70% | 6.67% | 5.54% | 6.54% | -149 bps | |
| Loan Growth (YoY) | 5.64% | 0.63% | -0.70% | 0.43% | -3.40% | -2.77% | -5.88% | -6.32% | -676 bps | |
| Share Growth (YoY) | 2.81% | 2.21% | 1.33% | 6.93% | 4.07% | 5.41% | 4.08% | 5.38% | -155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.19% | 0.12% | 0.24% | 0.07% | 0.06% | 0.06% | 0.03% | -21 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 | 20.90% | 21.68% | 21.69% | 21.74% | 22.03% | 22.71% | 22.86% | 22.59% | +85 bps | |
| Net Worth / Assets | 20.90% | 21.68% | 21.69% | 21.74% | 22.03% | 22.71% | 22.86% | 22.59% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.03% | 30.60% | 30.02% | 29.52% | 28.80% | 28.22% | 27.14% | 26.24% | -328 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 66207 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.99%
Rank 79 of 1,683
Net Interest Margin
3.80%
Rank 854 of 1,683
Efficiency Ratio
50.50%
Rank 65 of 1,682
Equity / Assets
22.59%
Rank 146 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.99% | 0.35% | 0.74% | 1.18% | Beats 95% | 79 / 1,683 | ||
| Return on Equity | 8.82% | 2.67% | 5.89% | 8.74% | Beats 75% | 415 / 1,681 | ||
| Net Interest Margin | 3.80% | 3.31% | 3.82% | 4.32% | Beats 49% | 854 / 1,683 | ||
| Efficiency Ratio | 50.50% | 68.91% | 78.20% | 86.93% | Beats 96% | 65 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 160 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.59% | 10.44% | 12.89% | 16.53% | Beats 91% | 146 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.59% | 10.44% | 12.89% | 16.53% | Beats 91% | 146 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.24% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,624 / 1,683 | ||
| Loans / Assets | 20.24% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,631 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||