# NEW HAMPSHIRE
Concord, NH · NCUA charter 4746 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-hampshire-4746

Who the members are: federal charter, multiple common bond, organized 1941. 15,242 members of 256,107 potential (6.0% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $336.0M |
| Members | 15,242 (-1.4% YoY) |
| Full-time staff | 38 |
| Net worth | $44.8M |
| Net worth ratio | 13.3% (p75 of band) |
| ROA (annualized) | 1.12% (p78 of band) |
| Total delinquency | 0.05% (p2 of band) |
| Net charge-offs (annualized) | 0.12% (p18 of band) |
| Loans / shares | 89% (p87 of band) |
| Cash / assets | 4.1% |
| Borrowings / assets | 4.46% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 2.39% (p10 of band) |
| Vehicles % of loans | 46% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 94% |
| Third-party paper % of net worth | 238% (p86 of band) |
| Vehicle delinquency | 0.11% (p10 of band) |
| Vehicle NCO | 0.17% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 29% |
| Average share balance | $10,454 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $34,172 |
| Loans granted, annualized | $79.9M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising | members leaving |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | delinquency rising |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | members leaving | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 | leaning on borrowings | members leaving, delinquency rising |
| 2023-09 | 2 | 3rd-party paper>100% NW |  |
| 2023-12 | 4 | net worth falling, delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 | assets shrinking | leaning on borrowings |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-06 [NH credit union employee stole more than $300,000 from elderly customers | Courts - UnionLeader.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPdVA3amlYeDhZaEhvLWVNWXRHczlDaUhlOXZFMUQ3cXhJbmg3V0RpVHFRN2g5ZzdFcnhScmFRcGdvaEhaU2ZrMXVhVGFnMklkVWQzaUljejRxMEM1U0c3Qkw2ckNGSWItN0I3dHpQempOSjB6QkwzUm5RR1NEU1Fvd2thX01yYVZMa0ZwaTlvVG5HaEtXTG5rQzlrWnV6cWdVWV9Tckh6WHkxcWQ4VDRQOU5CSTA0VXF1RFdiWEF2TzRwVi1ldHIzSng3VmUtT25RNGhjM1lWVWpZUnV4R1Bfa2lJWTk5Nm1qS2tLUWxtVFNiVG8?oc=5) · UnionLeader.com
- 2026-03-11 [HRCU announces the planned retirement of President and CEO Brian Hughes after 22 years of leadership - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNV01IekhjaEVJOGtQZVZqRXY5RWJpZ29SRlJGdEFVZjgzOFdISnJjRXI2ZEIydTJMM3NCU09BTmszTVoyUERmY0loZ2pxU0ZfTjA4NVVYNDNNZ20wVmdjNlMtLTFvQi1sY3pkM1FQUVNMTmhhNGExclFHbUU2dTB6LTFjdWlQaE1IaDFTQ3dKb3VVcC00LTY5eHBJWEtscE9ROEJvOHJaTUU5VXdXQ1B1ZzFPQ0VhLVMzcGVDMkJoN0pUT3BjQ0ptQTRmc0p0Rmt6YzR3VktMdHI?oc=5) · CUInsight
- 2026-07-21 [New lawsuit alleges coordinated fraud - NH Business Review](https://news.google.com/rss/articles/CBMia0FVX3lxTFA5dXhJdm9IbmdFa1JWSmJ2eXJyallET2prQlFrT2RvVG1BN0c3VFk5TkcydU4wdG5paktiUjllT210Y3JQVWJrYUxOTld3V3hrZFcxVHQ2WmZRa2Nua2JNUi1GMFNLaDZhRWl3?oc=5) · NH Business Review
- 2026-06-01 [PROCON Earns AGC of New Hampshire’s 2026 “Best in Building” Award for Lighthouse Credit Union Headquarters - Boston Real Estate Times](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPNGpwLXpfT0N6dXNsR284dnRXcVVZZnVTRTJGLWZKQWMwNTNIaXlhb2RXSWNOY0hOWGp2c1NoVkJjT1YzcWdsQmFGMGFNR2JxbllQVGVaeG1rbjdyUDY3ZXJjeTRnMXh0N3dlSXdlNzdlUGVLdGZERnlWUW9fV0NKbEJabVlUUk12X3c2Ul9ZeFFTZGsyaU5vM3d3WTMxemlqTTJhb2Qwc2Jkenp2ZEV1d2dFZlhsWjVFbUhQSkNPUFZEOFVCOE5nOHBKS3p2NmczdGxjXw?oc=5) · Boston Real Estate Times
- 2026-03-02 [ATM ‘jackpotting’ theft spree included $60,000 from NH credit union, DOJ alleges - Manchester Ink Link](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVXUyV3dpZldFcmx3SnY1eDBHdUh5S2I0RVVPVjkxcWxZYnR1RnFCNWlBMEJvREVtUzQ4OGJCbFJMTDRKNmFMUm9JaWRBekExWmZackZuU2thUGFET1JiSU1XVUFuZHFiaXZfQ2R4SXUwNTlGeGExdHNuenJudnRmcEpMRXhEWnI4WWtoLWRuSVdUeFRoRHUzV1pHNVR2aWNKLWNfUEg5S3diTHhx?oc=5) · Manchester Ink Link
- 2025-10-07 [2025 Best Companies to Work for: 6. Granite State Credit Union - businessnhmagazine.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQWWZ2T2pDejJNc3pERkhQeDc4S2JOY0N4NllNQm55aW10cVZCSDJXdl9nSzBoZFZpamVvN1J3MzJKWmNrdWRrN0VDUGVQVncxWE9PeU9rUGZVcS1hODA0X3IwRDhnUFgtdGprNC1BVFBtVzRURGNqcGNzVlN0MVluVzRlY2VGWGRQNmEzNkpDQjZya0RMZ19jTEs5ZVRmN2FJOXh6aGhB?oc=5) · businessnhmagazine.com
- 2026-07-14 [St. Mary's Bank Named SBA Credit Union Of The Year, Supporting New Hampshire Small Businesses - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxPTWNfTFVHZ1d0ZzVoRm1LU202TXg5eXEyb2lmQXJ0RF9sTzM5TlJRWHFWMXJKTE9yaWphWGhrZ0MzanpnWXhTTnQ3QU1zQ3p5Q1UzTlJ6OGotUHgyQkZXOGVCWUJiMkg5QmZKQ2tOTHFna1FuSDZCMW1zYUwxSkhKbzNDOHBWLU9LRTVnWUd5YU5OYzhYUkNNLXFBbEVyZFFDVUF2U0FfLUp1LU1zSk40cHFuM2t0ZWlldmc?oc=5) · Patch
- 2026-01-12 [SERVICE CREDIT UNION SIGNS LEASE FOR THE RIDGE PHASE II IN ROCHESTER, NEW HAMPSHIRE - The Columbus Dispatch](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQM1RMcW10eXY0eW9uWmdDM0EwUGNMUEVvZUFycnJFb3RxNTRXTmdJX2ZhZ2E1M3kwY1AtMnFrc1JJZnR5ei1XekRBcnROQ0lfQWpISGRvQnFmMEtWdGZWSDdlYmNxNnAxZXdOX0xXTjVhZnhycEtlVWNrdllpSzBzZVY5WUpzU0FFNVVLYXdLN2s0eVhlTWxyblRIQ21peUV4bE9XeXZHRTcza2VBcEdtSU8tNGphLUp1LUJibVhPRm15VG8yVmRRUl9WZDc1RGtI?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4746 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/10.json (key "4746", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=4746
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide