State credit union · Manchester, New Hampshire · NCUA charter #63272
Granite State
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $743.4M
- Total assets
- 53,244
- Members
- 9.6%
- Net-worth ratio
Granite State scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $743.4M; members 53,244; net-worth ratio 9.55%; health rank #697 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#697 of 4,374 health · 2025Q4Granite State · health 93/100 · $743.4M · 2025Q4
- ASSETS 93/100
- MEM 9.6%
- RANK 0.72%
- PHOTO 0.84%
- BOOK $743.4M
- CHARTER 53,244
- NCUSIF #697/4,374
- CAMELS Mass. Institute of Tech.
- HEALTH 63272
Call Report peers
Granite State in the assets neighbourhood
Granite State's $743.4M assets sit next to Mass. Institute of Tech. ($743.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Granite State vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Granite State - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63272, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Granite State
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.33 pp (0.84% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.07 pp (77.83% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Granite State in New Hampshire
- Health composite ranks #3 of 12 among scored New Hampshire credit unions.
- By total assets, Granite State is #5 of 12 in New Hampshire.
- Membership ranks #5 of 12 among New Hampshire CUs with a reported count (53,244 members).
In-state ordinals use the live credit_unions table for NH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Granite State Call Report trajectory
Granite State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $743.4M (2025Q4) to $754.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.40% → 9.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.7 pts
Granite State health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.55% | -1.63 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.84% | +0.33 pp |
| Member Growth | 2.14% | - |
| Loan-to-Share Ratio | 77.83% | -6.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Granite State
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $754.0M | - |
| 2025Q4 | $743.4M | 53,244 |
| 2024Q4 | $706.5M | 52,130 |
| 2023Q4 | $697.0M | 50,931 |
Credit Union Details
- Charter Number
- 63272
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Hampshire
- City
- Manchester
- Data Quarter
- 2025Q4
Branch Locations (10)
Granite State operates 10 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration (Main Office) | Manchester, NH |
| Amherst Branch | Amherst, NH |
| Candia Branch | Candia, NH |
| Concord Branch | Concord, NH |
| Disaster Recovery | Concord, NH |
| Derry Branch | Derry, NH |
| Manchester Branch | Manchester, NH |
| Nashua - 190 Broad St | Nashua, NH |
| Rochester Branch | Rochester, NH |
| Tilton Branch | Tilton, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Hampshire
A look at other New Hampshire credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Granite State
Two NCUA Call Report peer sets for Granite State, both outside New Hampshire so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($743.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Granite State ranks #697 of 4,374 nationally on financial health and #3 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bellwether Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bellwether Community
- Rates and health both vary by institution, not just by state -- see how New Hampshire credit unions compare overall before assuming this one is typical. New Hampshire state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Granite State financially healthy?
Granite State scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #697 of 4,374; by total assets it ranks #587 of 4,374 nationally (same basis as /rankings/largest); and #5 of 12 within New Hampshire. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.55% net worth ratio and a 0.72% delinquency rate.
How does Granite State compare to other credit unions?
93/100 is Granite State's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Granite State?
Membership eligibility for Granite State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Granite State directly for current membership requirements and application steps.
Is my money safe at Granite State?
Federal credit unions like Granite State are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Granite State's net worth ratio of 9.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Granite State offer compared to banks?
Credit unions like Granite State are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Granite State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.