Federal credit union · Concord, New Hampshire · NCUA charter #4746
New Hampshire
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $332.5M
- Total assets
- 15,265
- Members
- 13.3%
- Net-worth ratio
New Hampshire scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $332.5M; members 15,265; net-worth ratio 13.32%; health rank #618 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#618 of 4,374 health · 2025Q4New Hampshire · health 93/100 · $332.5M · 2025Q4
- NCUSIF 93/100
- CAMELS 13.3%
- HEALTH 0.09%
- NW 0.37%
- DELQ $332.5M
- ROA 15,265
- ASSETS #618/4,374
- MEM ACTORS
- RANK 4746
Call Report peers
New Hampshire in the assets neighbourhood
New Hampshire's $332.5M assets sit next to ACTORS ($332.6M) 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.
New Hampshire 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
93 Top 16% higher than 84% 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
New Hampshire - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4746: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for New Hampshire
- Loan-to-Share Ratio leads the peer set - 93.42% here, 72.20% peer average (+21.22 pp).
- Widest shortfall vs peers is Return on Assets: -0.26 pp (0.37% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Hampshire standing for New Hampshire
- Health composite ranks #2 of 12 among scored New Hampshire credit unions.
- New Hampshire assets place: #8 of 12.
- Member book place in New Hampshire: #8 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.
New Hampshire Call Report trajectory
New Hampshire: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $332.5M (2025Q4) to $336.0M (2026Q1).
- Net-worth ratio shifted +0.14 pp (13.18% → 13.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.32% | +1.21 pp |
| Delinquency Rate | 0.09% | -0.80 pp |
| Return on Assets | 0.37% | -0.26 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 93.42% | +21.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $336.0M | - |
| 2025Q4 | $332.5M | 15,265 |
| 2024Q4 | $347.2M | 14,981 |
| 2023Q4 | $343.7M | 14,221 |
Credit Union Details
- Charter Number
- 4746
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New Hampshire
- City
- Concord
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for New Hampshire.
| Office | City |
|---|---|
| NH Federal Credit Union (Main Office) | Concord, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Hampshire
Other federally-insured credit unions in New Hampshire, closest first by peer group and asset size.
New Hampshire nationwide neighbourhoods
Cross-state asset and health neighbours for New Hampshire - kept outside New Hampshire; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($332.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- New Hampshire ranks #618 of 4,374 nationally on financial health and #2 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members First Credit Union of N.H. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members First Credit Union of N.H.
- 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 New Hampshire financially healthy?
A 13.32% net worth ratio and a 0.09% delinquency rate feed into New Hampshire's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #618 of 4,374; by total assets it ranks #980 of 4,374 nationally (same basis as /rankings/largest); and #8 of 12 within New Hampshire. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does New Hampshire compare to other credit unions?
93/100 is New Hampshire's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 New Hampshire?
New Hampshire serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact New Hampshire directly for the current list of qualifying groups.
Is my money safe at New Hampshire?
Federal credit unions like New Hampshire 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. New Hampshire's net worth ratio of 13.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Hampshire offer compared to banks?
Credit unions like New Hampshire 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 New Hampshire 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.