Nashua, NH · Charter 68210
NCUA · 8 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
10
Asset Quality
54
Profitability
41
Liquidity
67
Efficiency
39
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.
Nashua, NH · Charter 68210
NCUA · 8 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 | 0.10% | 0.12% | 0.33% | 0.55% | 0.69% | 0.79% | 0.60% | 0.61% | +6 bps | |
| Return on Equity | 1.22% | 1.55% | 4.10% | 6.70% | 8.20% | 9.12% | 6.90% | 6.88% | +19 bps | |
| Net Interest Margin | 2.16% | 2.24% | 2.78% | 2.97% | 2.99% | 3.07% | 3.12% | 3.24% | +27 bps | |
| Efficiency Ratio | 93.58% | 91.74% | 86.49% | 79.86% | 76.85% | 75.22% | 82.64% | 81.74% | +188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.05% | -2.53% | -2.66% | -1.76% | 2.19% | 1.80% | 2.19% | 2.15% | +392 bps | |
| Loan Growth (YoY) | -8.96% | -7.13% | -4.12% | 0.08% | 1.41% | 0.76% | -1.34% | -6.55% | -663 bps | |
| Share Growth (YoY) | 0.54% | 2.78% | 2.29% | 2.68% | 2.95% | 2.40% | 2.27% | 2.90% | +22 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.36% | 0.21% | 0.48% | 0.50% | 0.52% | 0.36% | 0.59% | +11 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 | 7.89% | 7.90% | 7.98% | 8.23% | 8.37% | 8.63% | 8.65% | 8.87% | +64 bps | |
| Net Worth / Assets | 7.89% | 7.90% | 7.98% | 8.23% | 8.37% | 8.63% | 8.65% | 8.87% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.05% | 83.53% | 81.30% | 84.67% | 83.78% | 82.20% | 78.43% | 76.90% | -777 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.74% | 0.00% | 99.08% | 0.00% | 0 bps | |
Nashua, NH · Charter 68210 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.61%
Rank 1,002 of 1,683
Net Interest Margin
3.24%
Rank 1,316 of 1,683
Efficiency Ratio
81.74%
Rank 1,021 of 1,682
Equity / Assets
8.87%
Rank 1,523 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,002 / 1,683 | ||
| Return on Equity | 6.89% | 2.67% | 5.89% | 8.74% | Beats 60% | 676 / 1,681 | ||
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,316 / 1,683 | ||
| Efficiency Ratio | 81.74% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,021 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 54% | 779 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,523 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,523 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.90% | 52.61% | 69.38% | 83.50% | 64th pctl | 614 / 1,683 | ||
| Loans / Assets | 63.36% | 44.71% | 59.18% | 70.72% | 59th pctl | 685 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||