New Hampshire vs Granite State
Comparing a Credit Union in Concord, NH with a Credit Union in Manchester, NH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| New Hampshire ↗ Credit Union · Concord, NH · Est. 1941 | Granite State ↗ Credit Union · Manchester, NH · Est. 1945 | |
|---|---|---|
| Trust Grade | A · 98/100 | B · 89/100 |
| Institution type | Credit Union | Credit Union |
| Location | Concord, NH | Manchester, NH |
| Total assets | $336.0M | $754.0M |
| Net worth ratio | 13.3% | 9.6% |
| Return on assets | 1.1% | 1.1% |
| Shares & deposits | — | — |
| Members | 15,242 | 53,516 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 12 | #6 of 12 |
| Established | 1941 | 1945 |
New Hampshire
- Assets: $336.0M
- Members: 15,242
- Capital ratio: 13.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 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. New Hampshire 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, New Hampshire or Granite State?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — New Hampshire scores higher with a grade of A (98/100). 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 New Hampshire safe?
Yes — New Hampshire 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 (98/100), 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 New Hampshire vs Granite State?
New Hampshire has a net worth ratio of 13.3%, placing it in the top 25% of $100M–1B 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 New Hampshire have compared to Granite State?
The CFPB database shows 0 complaints against New Hampshire, 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 New Hampshire 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.
