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Overview / Commentary
800-276-2470
33 Franklin St
Nashua, NH 03064

Triangle CU (NH) is headquartered in Nashua and is the 4th largest credit union in the state of New Hampshire. It is also the 438th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 132 employees and 42,536 members. Triangle CU (NH)'s savings rates are 3X the national average, and it has a A health rating.

Field of Membership Restrictions

Must live or work in Belknap, Cheshire, Hillsborough, Merrimack or Rockingham County in New Hampshire or Essex, Franklin, Middlesex or Worcester County in Massachusetts. - See Details

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Reviews (1)

I Love My Credit Union

Exceptional people and wonderful services!!



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Triangle CU (NH) had $2.37 million in non-current loans and owned real-estate with $41.01 million in equity and loan loss allowances on hand to cover it. This gives Triangle CU (NH) a Texas Ratio of 5.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Triangle CU (NH) decreased dramatically from 10.07% as of March 31, 2013 to 5.77% as of March 31, 2014, resulting in a positive change of 42.68%.This indicates that the balance sheet and financial strength for Triangle CU (NH) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Triangle CU (NH) has increased its total deposits by $13.54 million, resulting in 3.23% 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 Triangle CU (NH) has shown is excellent.

Capitalization

GRADE:
C-

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. Triangle CU (NH) has $515.11 million in assets with $41.01 million in equity, resulting in a capitalization level of 7.96%, which is below average.

Institution Statistics

Overall
NCUA #68210
Year Chartered1939
Employees132
Primary Regulator
Assets and Liabilities
Assets$515.11 million
Loans$387.21 million
Deposits$432.22 million
Equity Capital$39.71 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$2.37 million
Real Estate Owned$0
Historic Data - March 2013
Assets$497.84 million
Equity Capital$37.35 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$2.37 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.89%
Return on Assets0.27%
Return on Equity3.53%
Interest Income$4.38 million
Rates
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Triangle CU (NH) Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.50%--Health Savings Account
0.65%$100-Online Savings Account
0.50%--IRA Savings
0.50%--Roth IRA Savings

Triangle CU (NH) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.65%$500k-Money Market Plus Account

Triangle CU (NH) CD Rates

DetailsAPYMINMAXPRODUCT
1.80%$1k-60 Month CD
1.60%$1k-48 Month CD Special
1.10%$1k-36-59 Month CD
1.00%$1k-24-35 Month CD
0.90%$100-18 Month Teen Club Flex CD
0.90%$100-18 Month Kids Club Flex CD
0.75%$1k-18 Month CD Special
0.50%$1k-12-23 Month CD
0.25%$1k-6-11 Month CD

Triangle CU (NH) IRA Rates

DetailsAPYMINMAXPRODUCT
1.80%$1k-60 Month IRA
1.10%$1k-36-59 Month IRA
1.00%$1k-24-35 Month IRA
0.50%$1k-12-23 Month IRA
0.25%$1k-6-11 Month IRA
Locations


Triangle CU (NH) Locations
Branch Office1030 Candia RdManchester, NH 03109
Branch Office33 Franklin StNashua, NH 03064
Branch Office110 Main St Ste 1Nashua, NH 03060
Branch Office257 Elm StManchester, NH 03101
Branch Office138 State Route 101AAmherst, NH 03031
Branch Office1 Elliot WayManchester, NH 03103
Branch Office8 Sexton AveNashua, NH 03060