Federal credit union · KEENE, New Hampshire · NCUA charter #17793
N G M Employees
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $7.8M
- Total assets
- 1,169
- Members
- 6.0%
- Net-worth ratio
N G M Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17793, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
N G M Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)51
- Asset quality (delinquency)100
- Earnings (ROA)17
- Member growth41
- Liquidity (loan-to-share)69
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.04% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.04% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | -0.22% | 15% |
| Member Growth | -1.60% | 15% |
| Loan-to-Share Ratio | 49.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.8M | 1,169 |
| 2024Q4 | $6.8M | 1,188 |
| 2023Q4 | $5.8M | 1,313 |
Credit Union Details
- Charter Number
- 17793
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Hampshire
- City
- KEENE
- Data Quarter
- 2025Q4
What This Data Says About N G M Employees
The five-factor composite scores N G M Employees at 59/100 (Fair), reflecting a net worth ratio of 6.04% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in KEENE, New Hampshire, reports 1,169 members, $7.8M in total assets, and $3.5M in outstanding loans as of Q4 2025 under charter #17793 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.07% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 49.02% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.22% on net income of $-17441 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 -1.60%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 N G M Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, N G M Employees carries a financial health score of 59/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.04% net worth ratio and a 0.07% delinquency rate.
How does N G M Employees compare to other credit unions?
59/100 is N G M Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 N G M Employees?
N G M Employees 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 N G M Employees directly for the exact boundaries and application steps.
Is my money safe at N G M Employees?
Federal credit unions like N G M Employees 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. N G M Employees's net worth ratio of 6.04% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does N G M Employees offer compared to banks?
Credit unions like N G M Employees 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 N G M Employees 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.