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P.O. Box 2078
Rochester, NH 03866

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.

Field of Membership Restrictions

Must live or work in the State of New Hampshire. - See Details

Reviews (1)

A Borrower's Bank

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  Also, your website is really outdated.


Data for Q4 2013

Institution Health


Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

NCUA #65088
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$193.68 million
Loans$135.49 million
Deposits$178.20 million
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
Assets$185.45 million
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 Margin4.53%
Return on Assets0.68%
Return on Equity7.59%
Interest Income$7.25 million

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Holy Rosary CU (NH) Savings Account Rates

2.00%$10k-HSA Share Draft
2.00%-$1kHome Heating Club
2.00%-$1kElements of Savings
2.00%-$1kM3 Money Club
0.50%$500-IRA Share
0.50%$500-Roth IRA Share
0.50%$500-Educational IRA Share
0.05%--Regular Share
0.05%--Vacation Club
0.05%--Christmas Club

Holy Rosary CU (NH) Money Market Rates

0.50%$100k-Money Market Account
0.50%$100k-Business Money Market Account

Holy Rosary CU (NH) Checking Account Rates

0.10%--Regular Share Draft

Holy Rosary CU (NH) CD Rates

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$10k12 Month i$ave Certificate
0.40%$500-12 Month Share Certificate
0.30%$500-6 Month Share Certificate

Holy Rosary CU (NH) IRA Rates

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 Office140 Wakefield StRochester, NH 03867
Branch Office341 NH Route 11Farmington, NH 038353842
Branch Office490 Central AveDover, NH 03820
Branch Office133 Brock StRochester, NH 03867