State overview · Q4 2025

New Hampshire Credit Unions

All 12 federally-insured credit unions in New Hampshire, ranked by financial health, from NCUA 5300 Call Reports.

12
Credit unions
840K
Members
$13.7B
Combined assets
85/100
Avg health
12 CUs · avg health 85/100

New Hampshire has 12 federally insured credit unions averaging 85/100 health on NCUA 5300 Call Report aggregates. Combined assets $13.7B; 10 score Excellent (80+). State leader: St. Mary's Bank at 97/100.

  • Mean delinquency rank #4 of 52 (lower DQ better)
  • Mean ROA rank #16 of 52
  • Data vintage 2026-09-06

New Hampshire vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

12 50th of 54 higher than 4 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How New Hampshire's 12 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)10 CUsGood (60–79)2 CUsFair (40–59)0 CUsWeak (<40)0 CUs

New Hampshire Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 12 federally insured credit unions in New Hampshire, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.75%
National rank #4 of 52 · lower DQ better
Mean ROA
0.70%
National rank #16 of 52
Mean loan-to-share
74.1%
Mean net worth 11.2% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
47.2%
Tilted book, largest charter holds 25–50% of combined New Hampshire CU assets · concentration rank #44 of 52 (lower share = more dispersed) · largest by assets on this board: SERVICE

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). New Hampshire is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

New Hampshire vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, New Hampshire highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate New Hampshire vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%NH - 11.15%, 0.746%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, New Hampshire highlighted.

All Credit Unions in New Hampshire

Credit Union Health
St. Mary's Bank Manchester 97
Granite State Manchester 93
Holy Rosary Rochester 93
New Hampshire Concord 93
LIGHTHOUSE Dover 91
Members First Credit Union of N.H. Manchester 85
New Hampshire Postal Manchester 85
Bellwether Community MANCHESTER 83
TRIANGLE Nashua 81
SERVICE PORTSMOUTH 80
PRECISION Keene 77
N G M Employees KEENE 67

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.

What This Data Says About Credit Unions in New Hampshire

New Hampshire is home to 12 federally-insured credit unions collectively serving 840K members with $13.7B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 85/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. St. Mary's Bank of Manchester currently leads the cohort with a health score of 97/100, while the full distribution spans 12 institutions ranked below.

The health distribution breaks into four bands: 10 credit unions score 80–100 (Excellent), 2 score 60–79 (Good), 0 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across New Hampshire's 12 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for New Hampshire: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($13.7B here).

Maine $13.1B New Jersey $15.4B Connecticut $15.4B District of Columbia $11.8B

Frequently Asked Questions

How many credit unions are in New Hampshire?

There are 12 federally-insured credit unions in New Hampshire as of Q4 2025, with a combined 840K members and $13.7B in total assets. That places New Hampshire at #36 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, New Hampshire ranks #9 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in New Hampshire?

Based on NCUA Q4 2025 data, St. Mary's Bank in Manchester ranks highest in New Hampshire with a health score of 97/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using New Hampshire's data

  • St. Mary's Bank in Manchester is the healthiest scored credit union in New Hampshire at 97/100 -- look up its full composite before assuming it fits your situation. View full profile
  • New Hampshire's credit unions rank #4 of 52 nationally on delinquency rate (among the lowest) and #16 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • New Hampshire ranks #9 of 54 by average health score and #36 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.