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Overview / Commentary
98 Charlestown Rd
Claremont, NH 03743-5615

N.H. Community Credit Union is headquartered in Claremont and is the 14st largest credit union in the state of New Hampshire. It is also the 4,617st largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 2 employees and 2,137 members. N.H. Community Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live or work in Sullivan County. - See Details

Reviews (1)

claremont union

I've been with NH Community Federal Credit Union for over 3 years now. I was referred by a co-worker. The customer service is always perfect. You are greeted by name when you walk through the door. I have convenient direct deposit and payroll deductions. The bank itself is pleasant and airy, and it's just the right size. I prefer a smaller hometown bank than a large city bank. Their car loans are very competitive, offering good rates on new and used cars. Their home equity loans seem to be somewhat competitive. But, their overdraft fees are very high and I don't believe they have overdraft protection to cover 'bounced' checks.' I think this is a great service to have just in case so I was a little disappointed when they didn't offer this. A few weeks ago I had to change banks because I moved and I now have this feature on my account. I haven't needed it yet, but knowing it's available is great. If I'm going to be charged $25 for a check return, at least my bank will pay the amount of the check so I avoid embarrassment.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. N.H. Community Credit Union has a very low asset base.

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 N.H. Community Credit Union had $33,000 in non-current loans and owned real-estate with $681,000 in equity and loan loss allowances on hand to cover it. This gives N.H. Community Credit Union a Texas Ratio of 4.85% 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 N.H. Community Credit Union experienced no significant changes from 0.15% as of March 31, 2013 to 4.85% as of March 31, 2014, resulting in a negative change of 3,107.93%. This indicates that the balance sheet and financial strength for N.H. Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, N.H. Community Credit Union has increased its total deposits by $405,000, resulting in 5.2% 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 N.H. Community Credit Union 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. N.H. Community Credit Union has $8.98 million in assets with $681,000 in equity, resulting in a capitalization level of 7.58%, which is below average.

Institution Statistics

NCUA #12963
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$8.98 million
Loans$6.11 million
Deposits$8.19 million
Equity Capital$644,000
Loan Loss Allowance$37,000
Unbacked Noncurrent Loans$33,000
Real Estate Owned$0
Historic Data - March 2013
Assets$8.47 million
Equity Capital$627,000
Loan Loss Allowance$35,000
Unbacked Noncurrent Loans$33,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.51%
Return on Assets0%
Return on Equity0%
Interest Income$93,000

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N.H. Community Credit Union Savings Account Rates

0.05%$1k-Regular Share Account
0.05%--Tax Club Account
0.05%--Christmas Club Account

N.H. Community Credit Union Money Market Rates

0.21%$75k-Money Market Account

N.H. Community Credit Union Checking Account Rates

0.21%$75k-High Yield Sharedraft Account

N.H. Community Credit Union CD Rates

0.21%$500-18 Month CD
0.19%$500-12 Month CD
0.17%$500-6 Month CD

N.H. Community Credit Union Locations
Branch Office98 Charlestown RdClaremont, NH 03743-5615