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 | |