Lighthouse vs Granite State
Comparing a Credit Union in Dover, NH with a Credit Union in Manchester, NH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Lighthouse ↗ Credit Union · Dover, NH · Est. 1936 | Granite State ↗ Credit Union · Manchester, NH · Est. 1945 | |
|---|---|---|
| Trust Grade | A · 93/100 | B · 89/100 |
| Institution type | Credit Union | Credit Union |
| Location | Dover, NH | Manchester, NH |
| Total assets | $2.1B | $754.0M |
| Net worth ratio | 10.8% | 9.6% |
| Return on assets | 1.3% | 1.1% |
| Shares & deposits | — | — |
| Members | 168,543 | 53,516 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 12 | #6 of 12 |
| Established | 1936 | 1945 |
Lighthouse
- Assets: $2.1B
- Members: 168,543
- Capital ratio: 10.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 12
Granite State
- Assets: $754.0M
- Members: 53,516
- Capital ratio: 9.6%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #6 of 12
Are both institutions federally insured?
Yes. Lighthouse is NCUA-insured and Granite State is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Lighthouse or Granite State?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Lighthouse scores higher with a grade of A (93/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Lighthouse safe?
Yes — Lighthouse is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (93/100), reflecting its financial strength and complaint history relative to peers.
Is Granite State safe?
Yes — Granite State is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is B (89/100).
What is the capital ratio of Lighthouse vs Granite State?
Lighthouse has a net worth ratio of 10.8%, placing it in the top 50% of $1B–10B peers. Granite State's ratio is 9.6%, placing it in the bottom 23% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Lighthouse have compared to Granite State?
The CFPB database shows 0 complaints against Lighthouse, and 0 complaints against Granite State. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Lighthouse with other Credit Unions in New Hampshire
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
