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Overview / Commentary
70 Airport Rd
Concord, NH 03301

New Hampshire Federal Credit Union is headquartered in Concord and is the 7th largest credit union in the state of New Hampshire. It is also the 823rd largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 44 employees and 16,734 members. New Hampshire Federal Credit Union has a A health rating.

Field of Membership Restrictions

We serve the employees, immediate family and household members of more than 140 employer groups throughout NH, including the State of NH, many cities, towns, counties, hospitals, health care organizations, and more. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 New Hampshire Federal Credit Union had $0 in non-current loans and owned real-estate with $31.31 million in equity and loan loss allowances on hand to cover it. This gives New Hampshire Federal Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, New Hampshire Federal Credit Union has decreased its total deposits by -$4.41 million, resulting in -2.08% 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 New Hampshire Federal Credit Union has shown is average.



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. New Hampshire Federal Credit Union has $241.08 million in assets with $31.31 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

Institution Statistics

NCUA #4746
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$241.08 million
Loans$129.85 million
Deposits$207.55 million
Equity Capital$30.97 million
Loan Loss Allowance$349,000
Real Estate Owned$0
Historic Data - March 2013
Assets$244.13 million
Equity Capital$30.29 million
Loan Loss Allowance$292,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity4.83%
Interest Income$1.46 million

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New Hampshire Federal Credit Union Locations
Branch Office7 Mill Rd Unit KDurham, NH 03824-3047
Branch Office43 N Main StConcord, NH 03301-4934
Branch Office70 Airport RdConcord, NH 03301-5205