Holy Rosary CU (NH) is headquartered in Rochester and is the 8th largest credit union in the state of New Hampshire. It is also the 936th largest credit union in the nation. It was established in 1962 and as of December of 2013, it had grown to 67 employees and 18,152 members. Holy Rosary CU (NH)'s savings rates are 4X the national average, and it has a A health rating.
Must live or work in the State of New Hampshire. - See Details
Banked here since I was 16. Customer serivce is poor on the whole. Accounts are totally fee-free, you basically have to bounce a check to pay for anything. Deposit rates are absolutely miserable.
This is a great bank to get loans from. I got my first credit card here as well as a small unsecured loan. Even though I had virtually no credit history, my APR on the card was %9 and %7.5 on the loan. They lend to anyone at very low rates.
Since I finished college and started making money I've pulled my funds from this bank and into places where I can earn interest. Still considering them for a mortgage though as their rates are competitive across the board.
Suggestions for HRCU: Everyone who lives in Dover/Rochester works in Portsmouth. You should have a branch there. Also, your website is really outdated.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Holy Rosary CU (NH) had $1.37 million in non-current loans and owned real-estate with $17.78 million in equity and loan loss allowances on hand to cover it. This gives Holy Rosary CU (NH) a Texas Ratio of 7.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Holy Rosary CU (NH) experienced no significant changes from 4.90% as of December 31, 2012 to 7.69% as of December 31, 2013, resulting in a negative change of 56.77%. This indicates that the balance sheet and financial strength for Holy Rosary CU (NH) has had no significant changes in recent periods.
In the past year, Holy Rosary CU (NH) has increased its total deposits by $9.97 million, resulting in 5.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Holy Rosary CU (NH) has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Holy Rosary CU (NH) has $193.68 million in assets with $17.78 million in equity, resulting in a capitalization level of 9.18%, which is average.
|Assets and Liabilities|
|Equity Capital||$17.23 million|
|Loan Loss Allowance||$553,000|
|Unbacked Noncurrent Loans||$1.01 million|
|Real Estate Owned||$354,000|
|Historic Data - December 2012|
|Equity Capital||$16.01 million|
|Loan Loss Allowance||$572,000|
|Unbacked Noncurrent Loans||$1.01 million|
|Real Estate Owned||$418,000|
|Profit Margin - Quarterly|
|Net Interest Margin||4.53%|
|Return on Assets||0.68%|
|Return on Equity||7.59%|
|Interest Income||$7.25 million|
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|2.00%||$10k||-||HSA Share Draft|
|2.00%||-||$1k||Home Heating Club|
|2.00%||-||$1k||Elements of Savings|
|2.00%||-||$1k||M3 Money Club|
|0.50%||$500||-||Roth IRA Share|
|0.50%||$500||-||Educational IRA Share|
|0.50%||$100k||-||Money Market Account|
|0.50%||$100k||-||Business Money Market Account|
|0.10%||-||-||Regular Share Draft|
|1.85%||$500||-||60 Month Share Certificate|
|1.60%||$500||-||48 Month Share Certificate|
|1.35%||$500||-||36 Month Share Certificate|
|0.90%||$1k||-||15 Month Share Certificate Special|
|0.80%||$500||-||24 Month Share Certificate|
|0.65%||$1k||-||7 Month Share Certificate Special|
|0.60%||$500||-||18 Month Share Certificate|
|0.50%||$100||$10k||12 Month i$ave Certificate|
|0.40%||$500||-||12 Month Share Certificate|
|0.30%||$500||-||6 Month Share Certificate|
|1.85%||$500||-||60 Month IRA Certificate (Traditional,Roth,CESA)|
|1.60%||$500||-||48 Month IRA Certificate (Traditional,Roth,CESA)|
|1.35%||$500||-||36 Month IRA Certificate (Traditional,Roth,CESA)|
|0.90%||$1k||-||15 Month IRA Certificate Special (Traditional,Roth,CESA)|
|0.80%||$500||-||24 Month IRA Certificate (Traditional,Roth,CESA)|
|0.65%||$1k||-||7 Month IRA Certificate Special (Traditional,CESA,Roth)|
|0.60%||$500||-||18 Month IRA Certificate (Traditional,Roth)|
|0.60%||$500||-||18 Month Educational IRA Certificate|
|0.40%||$500||-||12 Month IRA Certificate (Traditional,Roth,CESA)|
|0.30%||$500||-||6 Month IRA Certificate (Traditional,Roth,CESA)|
|Holy Rosary CU (NH) Locations|
|Branch Office||140 Wakefield St||Rochester, NH 03867|
|Branch Office||341 NH Route 11||Farmington, NH 038353842|
|Branch Office||490 Central Ave||Dover, NH 03820|
|Branch Office||133 Brock St||Rochester, NH 03867|