PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Hampshire Postal

Manchester, NH · Charter 66207

NCUA · 2 branches

Q2 2026

$68.5MAssets
$13.9MLoans
$52.8MShares
$15.5MNet 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 1.99%, down 29 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.03% of loans (-21 bps YoY).
  • Capital: net worth / assets of 22.59%, up 85 bps from a year ago.
  • Funding: loans stand at 26.24% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.99%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.80%-2 bps YoY

Efficiency Ratio (quarter, annualized)

50.48%+664 bps YoY

Net Worth / Assets

22.59%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.29%2.35%2.40%1.96%1.99%-29 bps
Return on Equity10.52%10.67%10.58%8.57%8.82%-170 bps
Net Interest Margin3.82%3.83%3.92%3.65%3.80%-2 bps
Efficiency Ratio43.84%43.61%42.91%50.00%50.48%+664 bps
Growth
Asset Growth (YoY)8.03%5.70%6.67%5.54%6.54%-149 bps
Loan Growth (YoY)0.43%-3.40%-2.77%-5.88%-6.32%-676 bps
Share Growth (YoY)6.93%4.07%5.41%4.08%5.38%-155 bps
Asset Quality
Delinquent Loans / Loans0.24%0.07%0.06%0.06%0.03%-21 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 Capital21.74%22.03%22.71%22.86%22.59%+85 bps
Net Worth / Assets21.74%22.03%22.71%22.86%22.59%+85 bps
Liquidity & Funding
Loans / Shares29.52%28.80%28.22%27.14%26.24%-328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps