MEMBERS FIRST CREDIT UNION OF N.H.
Charter #65491 · Manchester, NH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.11% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 52nd — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MEMBERS FIRST CREDIT UNION OF N.H. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $281.50M | 70th pct | 66th pct |
| Members | 12,922 | 49th pct | 44th pct |
| Net worth ratio | 9.11% | 15th pct | 15th pct |
| Return on average assets | 0.78% | 56th pct | 44th pct |
| Net interest margin | 3.28% | 28th pct | 52th pct |
| Cost of funds | 0.00% | 1th pct | 0th pct |
| Loan-to-share | 55.65% | 19th pct | 23th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 39th pct |
| Net charge-off ratio | 0.65% | 75th pct | 82th pct |
| Loan growth YoY | -1.70% | 27th pct | 30th pct |
| Share growth YoY | 2.40% | 33th pct | 26th pct |
| Efficiency ratio | 76.72% | 43th pct | 52th pct |
structural peer set hash: d0819fb236bcf582c9427911b9b46653… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.