New Hampshire Credit Unions

Member engagement showed solid improvement with MPE rising to 356.10% from 346.72% in Q2 2025 and from 346.01% year-over-year, outpacing the national benchmark by 10.29 percentage points. Member growth accelerated significantly to 0.55% from just 0.03% quarterly, contrasting favorably with the national decline of -0.61%.

Profitability presented mixed signals as ROA increased to 0.74% from 0.68% quarter-over-quarter but declined from 0.82% year-over-year, trailing the national benchmark by 4 basis points. NIM decreased to 3.39% from 3.47% quarterly while remaining stable year-over-year at 3.36%, sitting 34 basis points below national levels.

Growth momentum accelerated across all key metrics with asset growth reaching 5.21% from 4.68% quarterly, loan growth jumping to 3.57% from 2.79%, and deposit growth rising to 5.13% from 4.87%. All growth rates significantly exceeded national benchmarks, with assets growing 2.66 percentage points above national levels.

Risk metrics showed divergent trends as delinquencies improved to 0.44% from 0.56% quarter-over-quarter but increased from 0.31% year-over-year, remaining 40 basis points below national levels. Net worth strengthened to 10.02% from 9.87% quarterly and 9.74% annually, though trailing national by 3.66 percentage points.

Portfolio composition shifted significantly with certificate concentrations rising to 30.95% from 28.30% quarterly and 26.22% annually, reaching 11.35 percentage points above national levels. Indirect auto lending increased to 17.28% from 15.59% quarterly, while first mortgage exposure remained elevated at 30.22%, well above national benchmarks.