TellerScore

Headquartered in Manchester, New Hampshire, Granite State Credit Union is a federally insured state-chartered credit union with $749.5M in total assets and $670.3M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1945.

Based on its Q2 2026 filing, Granite State Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 12 credit unions headquartered in New Hampshire, it ranks 3rd. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (49/100; 9.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.88%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity82/100
Loans ÷ shares: 78.6% · 5.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.53%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (62 → 70), mostly because the loan quality component improved by 15 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202465
Q4 202462
Q1 202564
Q2 202562
Q3 202564
Q4 202563
Q1 202670
Q2 202670
Net worth ratio
7.00%8.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.93%
Q3 20249.29%
Q4 20249.23%
Q1 20259.12%
Q2 20259.30%
Q3 20259.50%
Q4 20259.40%
Q1 20269.55%
Q2 20269.88%
Delinquent loans (60+ days)
0.49%0.71%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.80%
Q4 20240.90%
Q1 20250.59%
Q2 20250.93%
Q3 20250.73%
Q4 20250.72%
Q1 20260.49%
Q2 20260.49%
Return on assets
0.68%0.91%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.09%
Q3 20241.07%
Q4 20240.88%
Q1 20250.74%
Q2 20250.78%
Q3 20250.77%
Q4 20250.68%
Q1 20261.14%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$749.5M9.88%0.49%1.11%78.6%
Q1 202670$754.0M9.55%0.49%1.14%76.9%
Q4 202563$743.4M9.40%0.72%0.68%77.8%
Q3 202564$730.7M9.50%0.73%0.77%78.9%
Q2 202562$731.3M9.30%0.93%0.78%76.6%
Q1 202564$729.2M9.12%0.59%0.74%74.8%
Q4 202462$706.5M9.23%0.90%0.88%76.7%
Q3 202465$698.8M9.29%0.80%1.07%77.7%
Q2 202465$708.3M8.93%0.72%1.09%75.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.88%
26th
Problem loans0.49%
65th
Net charge-offs0.40%
45th
Return on assets1.11%
72nd
Loans to deposits78.6%
44th
Uninsured deposits5.2%
57th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
55th

Similar-size credit unions in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Bellwether Community Credit UnionCredit union Manchester, NH62 out of 100, Moderate$674.7M9.4%0.28%vs
Triangle Credit UnionCredit union Nashua, NH62 out of 100, Moderate$865.7M8.9%0.59%vs
Holy Rosary Credit UnionCredit union Rochester, NH69 out of 100, Moderate$508.0M9.3%0.48%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Members First Credit Union of N.H.Credit union Manchester, NH70 out of 100, Strong$277.1M9.5%0.52%vs

Deposit insurance

Is my money safe at Granite State Credit Union?

Yes. Granite State Credit Union is a federally insured credit union (NCUA charter #63272). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.2% of shares and deposits ($35.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Granite State Credit Union lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Granite State Credit Union reported 507 home-loan applications under HMDA (LEI 254900O6ESF124P8HR04): 326 originated ($42,860,000 total), 43 denied, and 101 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Granite State Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63272
RSSD ID
124193
Primary regulator
State + NCUA
Established
1945
Headquarters
PO Box 6420, Manchester, NH 03108
Employees
158

Quick answers

Granite State Credit Union: common questions

Is Granite State Credit Union NCUA insured?

Yes. Granite State Credit Union is a federally insured credit union (NCUA charter #63272). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Granite State Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Granite State Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Manchester

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs