GRANITE STATE Credit Union Profile

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GRANITE STATE

Charter #63272 | NCUA Region 1 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (603) 668-2221

Fax: (603) 626-8029

Founding Date: N/A

Website: https://www.gscu.org

Personnel & Operations

President: Vandeberghe, Deborah

Manager: Barstow, Denise

FT Employees: 149

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 14.48%

Membership Type: 99

Branches: 9

Hours: 9:00-5:00

Credit Union Profile Summary

GRANITE STATE is a FISCU Credit Union. With a total of 53,115 members ^[1], this institution manages approximately $731,347,068 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.3% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.82% ^[1].

Financial Snapshot

Total Assets ^[1]

$731,347,068

Total economic resources.

Total Loans ^[1]

$504,516,140

Total value of outstanding loans.

Total Deposits ^[1]

$658,600,683

Total funds deposited by members.

Members ^[1]

53,115

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.3%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.79%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

76.60%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.25%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 4.82%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.87%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1415 Elm St

Manchester, NH, 03101-1325

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by GRANITE STATE (Charter #63272).

Main Office

Administration Main Office

Type: Corporate Office

Type: Branch Office

311 Sheep Davis Rd

Concord, NH 03301-5747

Phone: (603) 668-2221

Services: Member Services, ATM, Drive-Thru

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