Credit Union
N G M EMPLOYEES
Health Score
62/100
Total Assets
$7.8M
Members
1,169
KEENE, New Hampshire
2026 data Public-data reference. official source

N G M EMPLOYEES

Open-data reference.

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KEENE, New Hampshire · Charter #17793 · Federal Credit Union
62
Health Score
Good

Health Score

62/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

17793

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

N G M EMPLOYEES — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for N G M EMPLOYEES Share insurance under NCUSIF covers up to $250,000 per share owner. N G M EMPLOYEES holds approximately $7.2M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 6.0 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 6.0% · $7.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

N G M EMPLOYEES — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 6.04% 2. Loan Quality 0.07% delinq 3. ROA 0.00% 4. Member Growth -1.60% 5. Liquidity 49% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 40.3%

At 6.04%, this institution is below the 7.0% NCUA well-capitalized threshold.

$7.8M
Total Assets
1,169
Members
$3.5M
Total Loans
$7.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 6.04% 30%
Delinquency Rate 0.07% 25%
Return on Assets 0.00% 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

N G M EMPLOYEES is a federal credit union headquartered in KEENE, New Hampshire, serving 1,169 members with $7.8M in total assets and $3.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 62/100 (Good), anchored by a net worth ratio of 6.04% — relative to the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #17793 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.07% measures loans 60+ days past due against total loans outstanding — the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 49.02% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at N G M EMPLOYEES is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -1.60%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with N G M EMPLOYEES before opening any account or borrowing.

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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?

N G M EMPLOYEES has a financial health score of 62/100 (Good) 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 6.04% and delinquency rate of 0.07%.

How does N G M EMPLOYEES compare to other credit unions?

N G M EMPLOYEES scores 62/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 N G M EMPLOYEES?

Membership eligibility for N G M EMPLOYEES depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact N G M EMPLOYEES directly for current membership requirements 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.