Granite State Credit Union
Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.4. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (6.1) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (19%), comm loans (4%), other (52%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1415 Elm Street
Manchester, NH 03101
Manchester, NH 03101
Phone Number
(603) 668-2221
NCUA Charter Number
Website
Largest Competitors
Portsmouth, NH
Manchester, NH
Manchester, NH
Manchester, NH
Manchester, NH