Holy Rosary Credit Union (NH) is headquartered in Rochester and is the 7th largest credit union in the state of New Hampshire. It is also the 791st largest credit union in the nation. It was established in 1962 and as of December of 2024, it had grown to 81 employees and 24,830 members at 5 locations. Holy Rosary Credit Union (NH) has a B+ health rating.
Field of Membership Restrictions
HRCU (formerly known as Holy Rosary Credit Union) offers membership to anyone who lives, works, worships, or attends school anywhere in New Hampshire or York County, Maine. Immediate family members of current HRCU members are also eligible to join.
See current membership details
Poor Customer Service And Shady Business Practices
This bank engages is dishonest almost criminal business practices. Theyre website and apps are missing basic functionality like the ability to pay the last statement balance on loans with an external bank account.
I have a HELOC loan with this bank and had autopay setup wirh an external bank but since i cant select the last statemrnt balance, I had to manually enter in an amount. When the monthly payment went up due to the loan not being a fixed interest, I paid less than the balance by roughly 50$ without knowing.
The bank only notified the payment was short in their monthky statement they mailed to me. The incomplete/partial payment did not show up on the app or website. They then reported that I was 30 days late to the credit bureaus eithout even a courtesy call to let me know there was a partial payment due!
They have since refused to remove it from the credit bureau stating even though itnwas caused by a limitation if their system, it was still technically a late payment so it is an accurate reporting! They dont even deny it was their fault!
Stay away from this company unless you like constantly having to check if your payment was made completely because you cant setup autopay for an account with an adjustable rate.
Customer 20+ Years
Customer service experience questionable in certain situations especially when dealing message issues.
Could say more but won't.
Senior citizen and have had issues with HRCU from certain departments handling business of my accounts and how I've been treated.
At this point it's comes down to how much money you have with them. Seriously complementing taking my accounts elsewhere.
They Don't Treat You Like A Human
I’ve had a car loan with HRCU for a few years with autopay set up, and have never had trouble making payments on time. In December we were moving funds around for the holidays and didn’t even realize a payment was missed. HRCU didn’t call me until the beginning of January to let me know about a missed payment, and as soon as they did I made both months payments that same day to get my account up to date. Come to find out though at the same exact time, they also hit my credit report, which I’ve been working to improve for over 10 years, with a 30-90+ day delinquency, that brought my credit score down 100 points. Then they told me on the phone over and over again that they won’t do anything to help me or reverse the delinquency, and the delinquency will be on my credit report for 7 years, all because of one late missed payment that I didn’t even realized I had missed and corrected immediately at the beginning of the next month as soon as they called me. If you’re looking for a bank to do business with, or just a place that will work with you and truly treat you fairly, don’t come anywhere near HRCU.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 65088 |
| Year Chartered | 1962 |
| Employees | 81 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.88% |
| Return on Equity - YTD | 9.94% |
| Annual Interest Income | $19.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $442.9MM$425MM |
| Loans | Q4 2024vs Q4 2023 | $278.1MM$267.5MM |
| Deposits | Q4 2024vs Q4 2023 | $400.4MM$389.4MM |
| Equity Capital | Q4 2024vs Q4 2023 | $38.5MM$32.9MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $1.4MM$1.5MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $1.4MM$803K |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |