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
Call Report peers
New Hampshire in the assets neighbourhood
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New Hampshire vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); New Hampshire sits in 90-94 with 747 others.
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
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%).
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.
- One place up in New Hampshire, St. Mary's Bank (#1) scores 97/100, 4 points higher; one place down, Granite State (#3) ties at 93/100.
New Hampshire Call Report trajectory
New Hampshire: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $332.5M (2025Q4) to $336.0M (2026Q1).
- Net-worth ratio shifted +0.14 pp (13.18% → 13.32%).
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
New Hampshire gives up 7 points in total. Member Growth costs the most, 3.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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.
Frequently Asked Questions
Is New Hampshire financially healthy?
New Hampshire has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #618 of 4,374 nationally on health and #2 of 12 in New Hampshire. Its net worth ratio is 13.32% and its delinquency rate 0.09%.
How does New Hampshire compare to other credit unions?
New Hampshire scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.42% vs 72.20%). Its widest shortfall is return on assets (0.37% vs 0.62%).
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?
New Hampshire 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. New Hampshire's net worth ratio of 13.32% 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.