B
Granite State Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Granite State Credit Union
Manchester, NH
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Rating B
Asset Quality Index 8.10
Capitalization Index 6.60
Liquidity Index 4.10
Profitability Index 4.30
Stability Index 6.80
Company Info Granite State Credit Union
Manchester, NH
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NCUA Charter Number 159
Phone Number (603) 668-2221
Website www.gscu.org
Asset Quality Granite State Credit Union
Manchester, NH
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1-Year Asset Growth 1.71%
5-Year Asset Growth 10.29%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.52%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 4.29%
Non-Performing Loans to Loans 0.59%
Balance Sheet Granite State Credit Union
Manchester, NH
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Total Assets 729.16M
Total Deposits 658.22M
Capital and Reserves Granite State Credit Union
Manchester, NH
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Capital 65.81M
Leverage Ratio 9.13
Loan Loss Reserves to Loans 0.82%
Liquidity Granite State Credit Union
Manchester, NH
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Hot Money Ratio 13.07%
Liquidity Ratio 24.11%
Profitability Granite State Credit Union
Manchester, NH
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5-Year Return on Average Assets 0.87%
Net Income 1.35M
Net Interest Spread 5.99%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 82.13%
Return on Assets 0.75%
Return on Equity 8.27%