Lighthouse Federal Credit Union is a federal credit union headquartered in Dover, New Hampshire, in business for about 90 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.9B in member shares and deposits, with 19 offices across 2 states.
Lighthouse Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 12 credit unions headquartered in New Hampshire, it ranks 8th. Problem-loan coverage contributes the most (93/100, 3.3%); earnings contributes the least (51/100, 0.78%).
TellerScore · Q2 2026
Scorecard
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.
8 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 64 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 72 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q3 2024 | 10.49% |
| Q4 2024 | 10.88% |
| Q1 2025 | 10.84% |
| Q2 2025 | 10.67% |
| Q3 2025 | 10.74% |
| Q4 2025 | 10.60% |
| Q1 2026 | 10.76% |
| Q2 2026 | 10.15% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q3 2024 | 0.37% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.38% |
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| Quarter | Return on assets |
|---|---|
| Q3 2024 | 0.42% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.38% |
| Q1 2026 | 1.31% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $2.2B | 10.15% | 0.38% | 0.78% | 103.6% |
| Q1 2026 | 72 | $2.1B | 10.76% | 0.35% | 1.31% | 98.9% |
| Q4 2025 | 64 | $2.0B | 10.60% | 0.43% | 0.38% | 98.3% |
| Q3 2025 | 63 | $2.0B | 10.74% | 0.44% | 0.39% | 104.3% |
| Q2 2025 | 63 | $2.0B | 10.67% | 0.37% | 0.23% | 103.1% |
| Q1 2025 | 64 | $1.9B | 10.84% | 0.30% | 0.23% | 99.0% |
| Q4 2024 | 66 | $1.9B | 10.88% | 0.46% | 0.57% | 100.4% |
| Q3 2024 | 64 | $1.9B | 10.49% | 0.37% | 0.42% | 100.9% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in New Hampshire
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Mary'S Bank Credit UnionCredit union Manchester, NH | 68 out of 100, Moderate | $1.8B | 10.0% | 0.31% | vs |
| Service Federal Credit UnionCredit union Portsmouth, NH | 52 out of 100, Below average | $6.7B | 11.9% | 2.60% | vs |
Deposit insurance
Is my money safe at Lighthouse Federal Credit Union?
Yes. Lighthouse Federal Credit Union is a federally insured credit union (NCUA charter #24964). 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 0.5% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.15%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
19 locations
Branches
Lighthouse Federal Credit Union lists 19 offices in 17 cities across 2 states. Most locations:
- Dover, NH (3)
- Berlin, NH (1)
- Biddeford, ME (1)
- Concord, NH (1)
- Conway, NH (1)
- Exeter, NH (1)
- Hooksett, NH (1)
- Kennebunk, ME (1)
- Kittery, ME (1)
- Lebanon, NH (1)
- Lee, NH (1)
- Northwood, NH (1)
HMDA 2025
Mortgage lending
In 2025, Lighthouse Federal Credit Union reported 1,973 home-loan applications under HMDA (LEI 54930070JV4STJJ0XS74): 1,031 originated ($161,655,000 total), 656 denied, and 166 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.3%, 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.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Anchor & Anchor Secured Visa | 12.49% | $0 | — | 1.0% |
Identity & history
Profile
- Legal name
- Lighthouse Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24964
- RSSD ID
- 240879
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 100 Lighthouse Dr, Dover, NH 03820
- Employees
- 395
Quick answers
Lighthouse Federal Credit Union: common questions
Is Lighthouse Federal Credit Union NCUA insured?
Yes. Lighthouse Federal Credit Union is a federally insured credit union (NCUA charter #24964). 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 Lighthouse Federal Credit Union's TellerScore?
65 out of 100 (Moderate), 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 Lighthouse Federal Credit Union have?
19 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Dover
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Piscataqua Savings BankBank Portsmouth, NH | 81 out of 100, Strong | $373.4M | 13.7% | 0.00% | vs |
| Norway Savings BankBank Norway, ME | 81 out of 100, Strong | $2.2B | 14.1% | 0.29% | vs |
| Partners Bank of New EnglandBank Sanford, ME | 76 out of 100, Strong | $1.1B | 11.0% | 0.04% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |
| Bank of New HampshireBank Laconia, NH | 72 out of 100, Strong | $2.8B | 12.1% | 0.63% | vs |
| Granite State Credit UnionCredit union Manchester, NH | 70 out of 100, Strong | $749.5M | 9.9% | 0.49% | vs |