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
Call Report peers
LIGHTHOUSE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); LIGHTHOUSE sits in 90-94 with 747 others.
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 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).
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.
- One place up in New Hampshire, Holy Rosary (#4) scores 93/100, 2 points higher; one place down, New Hampshire Postal (#6) scores 85/100, 6 points lower.
LIGHTHOUSE Call Report trajectory
LIGHTHOUSE: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $2.04B (2025Q4) to $2.08B (2026Q1).
- Net-worth ratio shifted +0.16 pp (10.60% → 10.76%).
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
LIGHTHOUSE gives up 9 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is LIGHTHOUSE financially healthy?
LIGHTHOUSE has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #966 of 4,374 nationally on health and #5 of 12 in New Hampshire. Its net worth ratio is 10.76% and its delinquency rate 0.43%.
How does LIGHTHOUSE compare to other credit unions?
LIGHTHOUSE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.30% vs 83.90%). Its widest shortfall is net worth ratio (10.76% vs 11.18%).
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?
LIGHTHOUSE is a federal 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. LIGHTHOUSE's net worth ratio of 10.76% 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.