State credit union · Rochester, New Hampshire · NCUA charter #65088
Holy Rosary
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $487.1M
- Total assets
- 25,219
- Members
- 9.2%
- Net-worth ratio
Holy Rosary - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65088: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Holy Rosary - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)93
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth73
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.17% | 30% |
| Delinquency Rate | 0.53% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | 1.57% | 15% |
| Loan-to-Share Ratio | 70.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $487.1M | 25,219 |
| 2024Q4 | $442.9M | 24,830 |
| 2023Q4 | $425.0M | 22,569 |
Credit Union Details
- Charter Number
- 65088
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- New Hampshire
- City
- Rochester
- Data Quarter
- 2025Q4
What This Data Says About Holy Rosary
Charter #65088, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Holy Rosary, a state credit union in Rochester, New Hampshire with 25,219 members, $487.1M in total assets, and $309.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 94/100 (Excellent), helped by a net worth ratio of 9.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 70.45% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.53% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.79% on net income of $3.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.57%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New Hampshire
Other federally-insured credit unions in New Hampshire, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Holy Rosary financially healthy?
Holy Rosary has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.17% and delinquency rate of 0.53%.
How does Holy Rosary compare to other credit unions?
PlainCU's health composite puts Holy Rosary at 94/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Holy Rosary?
Membership eligibility for Holy Rosary depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Holy Rosary directly for current membership requirements and application steps.
Is my money safe at Holy Rosary?
Federal credit unions like Holy Rosary 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. Holy Rosary's net worth ratio of 9.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Holy Rosary offer compared to banks?
Credit unions like Holy Rosary 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 Holy Rosary directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.