Primary Bank vs New Hampshire Postal
Comparing a Bank in Bedford, NH with a Credit Union in Manchester, NH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Primary Bank ↗ Bank · Bedford, NH · Est. 2015 | New Hampshire Postal ↗ Credit Union · Manchester, NH · Est. 1940 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Bedford, NH | Manchester, NH |
| Total assets | $743.4M | $66.1M |
| Capital ratio | 15.7% | 22.9% |
| Return on assets | 1.3% | 2.0% |
| Deposits | $621.5M | — |
| Branches | 4 | 3,036 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 17 | #2 of 12 |
| Established | 2015 | 1940 |
Primary Bank
- Assets: $743.4M
- Deposits: $621.5M
- Capital ratio: 15.7%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #3 of 17
New Hampshire Postal
- Assets: $66.1M
- Members: 3,036
- Capital ratio: 22.9%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #2 of 12
Are both institutions federally insured?
Yes. Primary Bank is FDIC-insured and New Hampshire Postal 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, Primary Bank or New Hampshire Postal?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Primary Bank 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 Primary Bank safe?
Yes — Primary Bank is FDIC-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 New Hampshire Postal safe?
Yes — New Hampshire Postal is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Primary Bank vs New Hampshire Postal?
Primary Bank has a capital ratio of 15.7%, placing it in the top 8% of $100M–1B peers. New Hampshire Postal's ratio is 22.9%, placing it in the top 15% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Primary Bank have compared to New Hampshire Postal?
The CFPB database shows 0 complaints against Primary Bank, and 0 complaints against New Hampshire Postal. 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 Primary Bank with other Banks in New Hampshire
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
