Triangle CU (NH) is headquartered in Nashua and is the 4th largest credit union in the state of New Hampshire. It is also the 427th largest credit union in the nation. It was established in 1939 and as of December of 2013, it had grown to 134 employees and 42,161 members. Triangle CU (NH)'s savings rates are 3X the national average, and it has a B+ 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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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 Triangle CU (NH) had $3.46 million in non-current loans and owned real-estate with $40.65 million in equity and loan loss allowances on hand to cover it. This gives Triangle CU (NH) a Texas Ratio of 8.51% 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 Triangle CU (NH) held steady from 8.29% as of December 31, 2012 to 8.51% as of December 31, 2013, resulting in a negative change of 2.68%. This indicates that the balance sheet and financial strength for Triangle CU (NH) has held steady in recent periods.
Deposit Growth
In the past year, Triangle CU (NH) has increased its total deposits by $14.92 million, resulting in 3.65% 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
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 $507.44 million in assets with $40.65 million in equity, resulting in a capitalization level of 8.01%, which is average.
Institution Statistics
| Overall | |
|---|---|
| NCUA # | 68210 |
| Year Chartered | 1939 |
| Employees | 134 |
| Primary Regulator |
| Assets and Liabilities | |
|---|---|
| Assets | $507.45 million |
| Loans | $384.70 million |
| Deposits | $423.19 million |
| Equity Capital | $39.36 million |
| Loan Loss Allowance | $1.29 million |
| Unbacked Noncurrent Loans | $3.46 million |
| Real Estate Owned | $0 |
| Historic Data - December 2012 | |
|---|---|
| Assets | $487.06 million |
| Equity Capital | $36.77 million |
| Loan Loss Allowance | $1.06 million |
| Unbacked Noncurrent Loans | $3.46 million |
| Real Estate Owned | $0 |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.39% |
| Return on Assets | 0.38% |
| Return on Equity | 4.85% |
| Interest Income | $17.52 million |
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Triangle CU (NH) Savings Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.65% | $500k | - | Money Market Plus Account |
Triangle CU (NH) CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.80% | $1k | - | 60 Month CD | |
| 1.60% | $1k | - | 48 Month CD Special | |
| 1.10% | $1k | - | 36-59 Month CD | |
| 1.00% | $1k | - | 30 Month CD Special | |
| 0.90% | $100 | - | 18 Month Teen Club Flex CD | |
| 0.90% | $100 | - | 18 Month Kids Club Flex CD | |
| 0.75% | $1k | - | 24-35 Month CD | |
| 0.50% | $1k | - | 12-23 Month CD | |
| 0.25% | $1k | - | 6-11 Month CD |
Triangle CU (NH) IRA Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.80% | $1k | - | 60 Month IRA (Traditional,Roth) | |
| 1.10% | $1k | - | 36-59 Month IRA (Traditional,Roth) | |
| 0.75% | $1k | - | 24-35 Month IRA (Traditional,Roth) | |
| 0.50% | $1k | - | 12-23 Month IRA (Traditional,Roth) | |
| 0.25% | $1k | - | 6-11 Month IRA (Traditional,Roth) |
| Triangle CU (NH) Locations | ||
|---|---|---|
| Branch Office | 1030 Candia Rd | Manchester, NH 03109 |
| Branch Office | 33 Franklin St | Nashua, NH 03064 |
| Branch Office | 110 Main St Ste 1 | Nashua, NH 03060 |
| Branch Office | 257 Elm St | Manchester, NH 03101 |
| Branch Office | 138 State Route 101A | Amherst, NH 03031 |
| Branch Office | 1 Elliot Way | Manchester, NH 03103 |
| Branch Office | 8 Sexton Ave | Nashua, NH 03060 |