Federal credit union · Dover, New Hampshire · NCUA charter #24964
LIGHTHOUSE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.04B
- Total assets
- 167,257
- Members
- 10.8%
- Net-worth ratio
LIGHTHOUSE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.04B; members 167,257; net-worth ratio 10.76%; health rank #966 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#966 of 4,374 health · 2025Q4LIGHTHOUSE · health 91/100 · $2.04B · 2025Q4
- CAMELS 91/100
- HEALTH 10.8%
- NW 0.43%
- DELQ 0.54%
- ROA $2.04B
- ASSETS 167,257
- MEM #966/4,374
- RANK SRP
- PHOTO 24964
Call Report peers
LIGHTHOUSE in the assets neighbourhood
LIGHTHOUSE's $2.04B assets sit next to SRP ($2.05B) 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.
LIGHTHOUSE 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
91 Top 23% higher than 77% 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
LIGHTHOUSE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24964, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
LIGHTHOUSE vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +14.40 pp (98.30% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.76% vs peer 11.18% (-0.42 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where LIGHTHOUSE sits in New Hampshire
- New Hampshire health ordinal: #5 of 12.
- By total assets, LIGHTHOUSE is #2 of 12 in New Hampshire.
- Member book place in New Hampshire: #2 of 12.
In-state ordinals use the live credit_unions table for NH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LIGHTHOUSE Call Report trajectory
LIGHTHOUSE: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $2.04B (2025Q4) to $2.08B (2026Q1).
- Net-worth ratio shifted +0.16 pp (10.60% → 10.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for LIGHTHOUSE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.76% | -0.42 pp |
| Delinquency Rate | 0.43% | -0.44 pp |
| Return on Assets | 0.54% | +0.03 pp |
| Member Growth | 0.95% | - |
| Loan-to-Share Ratio | 98.30% | +14.40 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.08B | - |
| 2025Q4 | $2.04B | 167,257 |
| 2024Q4 | $1.92B | 165,691 |
Credit Union Details
- Charter Number
- 24964
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- New Hampshire
- City
- Dover
- Data Quarter
- 2025Q4
Branch Locations (20)
Per its most recent NCUA branch filing, LIGHTHOUSE runs 20 offices in 17 different cities across 2 states.
| Office | City |
|---|---|
| Lighthouse Headquarters (Main Office) | Dover, NH |
| Berlin Office | Berlin, NH |
| Berlin Office | Berlin, NH |
| Biddeford Office | Biddeford, ME |
| Concord Office | Concord, NH |
| Conway Office | Conway, NH |
| Dover Office | Dover, NH |
| Call Center | Dover, NH |
| Exeter Office | Exeter, NH |
| Hooksett Office | Hooksett, NH |
| Kennebunk Office | Kennebunk, ME |
| Shipyard Office | Kittery, ME |
| Lebanon Office | Lebanon, NH |
| Lee Office | Lee, NH |
| Northwood Office | Northwood, NH |
| Plymouth Office | Plymouth, NH |
| Portsmouth NH Branch | Portsmouth, NH |
| Rochester Office | Rochester, NH |
| Sanford Office | Sanford, ME |
| Westbrook | Westbrook, ME |
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.
Cross-state Call Report peers for LIGHTHOUSE
Cross-state asset and health neighbours for LIGHTHOUSE - kept outside New Hampshire; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- LIGHTHOUSE ranks #966 of 4,374 nationally on financial health and #5 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Mary's Bank is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Mary's Bank
- 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 LIGHTHOUSE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LIGHTHOUSE carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #966 of 4,374; by total assets it ranks #257 of 4,374 nationally (same basis as /rankings/largest); and #2 of 12 within New Hampshire. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.76% net worth ratio and a 0.43% delinquency rate.
How does LIGHTHOUSE compare to other credit unions?
On PlainCU's health composite, LIGHTHOUSE lands at 91/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 LIGHTHOUSE?
LIGHTHOUSE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LIGHTHOUSE directly for the exact boundaries and application steps.
Is my money safe at LIGHTHOUSE?
Federal credit unions like LIGHTHOUSE 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. LIGHTHOUSE's net worth ratio of 10.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LIGHTHOUSE offer compared to banks?
Credit unions like LIGHTHOUSE 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 LIGHTHOUSE 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.