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
Call Report peers
Granite State in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Granite State sits in 90-94 with 747 others.
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
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%).
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).
- One place up in New Hampshire, New Hampshire (#2) ties at 93/100; one place down, Holy Rosary (#4) ties at 93/100.
Granite State Call Report trajectory
Granite State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $743.4M (2025Q4) to $754.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.40% → 9.55%).
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
Granite State gives up 7 points in total. Member Growth costs the most, 3.4 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Granite State financially healthy?
On its 2025Q4 NCUA 5300 filing, Granite State scores 93/100 (Excellent), with a 9.55% net worth ratio and 0.72% of loans delinquent. It ranks #697 of 4,374 nationally on health and #3 of 12 in New Hampshire.
How does Granite State compare to other credit unions?
Granite State scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.84% vs 0.51%). Its widest shortfall is loan-to-share ratio (77.83% vs 83.90%).
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?
Granite State is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.