New Hampshire Federal Credit Union

New Hampshire Federal Credit Union Locations
70 Airport Road
Concord, NH 03301
(800) 639-4039
www.nhfcu.org

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 774th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 40 employees and 20,729 members. New Hampshire Federal Credit Union has a 4-star health rating.



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See Rates for: Savings | Money Market | CD | IRA

New Hampshire Federal Credit Union Savings Account Rates

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0.20%--IRA Variable Savings
0.05%$25-Shares
0.05%--Clubs

New Hampshire Federal Credit Union Money Market Rates

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0.20%$25k-Money Market Share Accounts

New Hampshire Federal Credit Union CD Rates

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1.55%$500-60 Month CD
1.55%$250-60 Month Youth CD
1.30%$500-54 Month CD
1.30%$250-54 Month Youth CD
1.20%$500-48 Month CD
1.20%$250-48 Month Youth CD
0.90%$500-42 Month CD
0.90%$250-42 Month Youth CD
0.70%$500-36 Month CD
0.70%$250-36 Month Youth CD
0.50%$500-30 Month CD
0.50%$250-30 Month Youth CD
0.40%$500-24 Month CD
0.40%$250-24 Month Youth CD
0.30%$500-18 Month CD
0.30%$250-18 Month Youth CD
0.20%$500-12 Month CD
0.20%$250-12 Month Youth CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

New Hampshire Federal Credit Union IRA Rates

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1.55%$500-60 Month IRA
1.30%$500-54 Month IRA
1.20%$500-48 Month IRA
0.90%$500-42 Month IRA
0.70%$500-36 Month IRA
0.50%$500-30 Month IRA
0.40%$500-24 Month IRA
0.30%$500-18 Month IRA
0.20%$500-12 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


NEW HAMPSHIRE
NCUA #4746
BankRate ReportView
Year Chartered1941
Employees40
Primary Regulator

Assets and Liabilities

Assets$234.36 million
Loans$86.74 million
Deposits$203.17 million
Equity Capital$29.37 million
Loan Loss Allowance$165,000
Real Estate Owned$80,000

Historic Data - December 2010

Assets$246.63 million
Equity Capital$29.25 million
Loan Loss Allowance$180,000

Profit Margin - Quarterly

Net Interest Margin3.25%
Return on Assets0.33%
Return on Equity2.63%
Interest Income$6.45 million
Non-Interest Income$1.18 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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, 2011 New Hampshire Federal Credit Union had $80,000 in non-current loans and owned real-estate with $29.53 million in equity and loan loss allowances on hand to cover it. This gives New Hampshire Federal Credit Union a Texas Ratio of 0.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth1
In the past year, New Hampshire Federal Credit Union has decreased its total deposits by -$12.62 million, resulting in -5.85% 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 poor.
Capitalization5
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 $234.36 million in assets with $29.53 million in equity, resulting in a capitalization level of 12.60%, which is excellent.
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