Civic Intelligence

Granite State Credit Union

EIN 02-0227484 • 501(c)14 • Manchester, NH

View Organization Page

Profile

Deposits and lending to credit union members

1415 Elm StreetManchester, NH 03101

www.gscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

58th percentile

0.91x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

24th percentile

12.95x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Net Margin

53rd percentile

9.6%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

97th percentile

$1,069,976

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Asset Growth

69th percentile

5.4%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

23rd percentile

6.5%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$744,839,651

Up $38,362,340 (+5.4%) from 2024

Liabilities

Up

$675,067,748

Up $32,862,856 (+5.1%) from 2024

Net Assets

Up

$69,771,903

Up $5,499,484 (+8.6%) from 2024

Operations
Liabilities / Revenue24th percentileNet Margin53rd percentile

Revenue

Up

$52,131,425

Up $3,193,534 (+6.5%) from 2024

Expenses

Up

$47,108,295

Up $4,382,636 (+10%) from 2024

Net Income

Down

$5,023,130

Down $1,189,102 (-19%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2010: $278,713,364Liabilities 2010: $257,047,221Net Assets 2010: $21,666,1432010Assets 2011: $289,948,154Liabilities 2011: $267,258,646Net Assets 2011: $22,689,5082011Assets 2012: $306,836,488Liabilities 2012: $282,539,354Net Assets 2012: $24,297,1342012Assets 2013: $325,626,139Liabilities 2013: $300,031,887Net Assets 2013: $25,594,2522013Assets 2014: $333,620,974Liabilities 2014: $305,790,701Net Assets 2014: $27,830,2732014Assets 2015: $362,924,693Liabilities 2015: $334,853,093Net Assets 2015: $28,071,6002015Assets 2016: $372,190,742Liabilities 2016: $342,656,514Net Assets 2016: $29,534,2282016Assets 2017: $388,820,933Liabilities 2017: $357,445,842Net Assets 2017: $31,375,0912017Assets 2018: $414,148,244Liabilities 2018: $379,607,661Net Assets 2018: $34,540,5832018Assets 2019: $433,003,273Liabilities 2019: $393,905,642Net Assets 2019: $39,097,6312019Assets 2020: $530,155,859Liabilities 2020: $487,048,474Net Assets 2020: $43,107,3852020Assets 2021: $601,479,230Liabilities 2021: $553,179,661Net Assets 2021: $48,299,5692021Assets 2022: $634,204,646Liabilities 2022: $583,464,737Net Assets 2022: $50,739,9092022Assets 2023: $697,041,831Liabilities 2023: $639,730,511Net Assets 2023: $57,311,3202023Assets 2024: $706,477,311Liabilities 2024: $642,204,892Net Assets 2024: $64,272,4192024Assets 2025: $744,839,651Liabilities 2025: $675,067,748Net Assets 2025: $69,771,9032025

Highlighted filing

2025

Assets$744,839,651
Liabilities$675,067,748
Net Assets$69,771,903
Open 2025 Filing

Operations Trend

Revenue Growth23rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Expenses 2010: $16,125,2142010Revenue 2011: $16,941,210Expenses 2011: $16,174,071Net Income 2011: $767,1392011Expenses 2012: $16,015,0772012Revenue 2013: $17,751,745Expenses 2013: $16,112,737Net Income 2013: $1,639,0082013Revenue 2014: $18,544,256Expenses 2014: $16,530,704Net Income 2014: $2,013,5522014Revenue 2015: $19,433,634Expenses 2015: $18,982,142Net Income 2015: $451,4922015Revenue 2016: $20,574,536Expenses 2016: $19,063,654Net Income 2016: $1,510,8822016Revenue 2017: $22,228,100Expenses 2017: $20,325,829Net Income 2017: $1,902,2712017Revenue 2018: $25,420,058Expenses 2018: $22,086,166Net Income 2018: $3,333,8922018Revenue 2019: $28,498,476Expenses 2019: $24,357,416Net Income 2019: $4,141,0602019Revenue 2020: $29,297,971Expenses 2020: $25,601,506Net Income 2020: $3,696,4652020Revenue 2021: $31,794,091Expenses 2021: $26,112,975Net Income 2021: $5,681,1162021Revenue 2022: $34,223,432Expenses 2022: $29,408,308Net Income 2022: $4,815,1242022Revenue 2023: $43,417,675Expenses 2023: $36,911,263Net Income 2023: $6,506,4122023Revenue 2024: $48,937,891Expenses 2024: $42,725,659Net Income 2024: $6,212,2322024Revenue 2025: $52,131,425Expenses 2025: $47,108,295Net Income 2025: $5,023,1302025

Highlighted filing

2025

Revenue$52,131,425
Expenses$47,108,295
Net Income$5,023,130
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$744,839,651
Liabilities
$675,067,748
Net assets
$69,771,903
Revenue
$52,131,425
Expenses
$47,108,295
Net income
$5,023,130
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$745$675$69.8$52.1$47.1$5.02
2024Detailed filing. Detailed filing data is available for this year.$706$642$64.3$48.9$42.7$6.21
2023Detailed filing. Detailed filing data is available for this year.$697$640$57.3$43.4$36.9$6.51
2022Detailed filing. Detailed filing data is available for this year.$634$583$50.7$34.2$29.4$4.82
2021Detailed filing. Detailed filing data is available for this year.$601$553$48.3$31.8$26.1$5.68
2020Detailed filing. Detailed filing data is available for this year.$530$487$43.1$29.3$25.6$3.70
2019Detailed filing. Detailed filing data is available for this year.$433$394$39.1$28.5$24.4$4.14
2018Detailed filing. Detailed filing data is available for this year.$414$380$34.5$25.4$22.1$3.33
2017Detailed filing. Detailed filing data is available for this year.$389$357$31.4$22.2$20.3$1.90
2016Detailed filing. Detailed filing data is available for this year.$372$343$29.5$20.6$19.1$1.51
2015Detailed filing. Detailed filing data is available for this year.$363$335$28.1$19.4$19.0$0.45
2014Detailed filing. Detailed filing data is available for this year.$334$306$27.8$18.5$16.5$2.01
2013Detailed filing. Detailed filing data is available for this year.$326$300$25.6$17.8$16.1$1.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$307$283$24.3$16.0
2011Summary only. Only limited summary data is available for this year.$290$267$22.7$16.9$16.2$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$279$257$21.7$16.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 13, 2026
Return Version
2025v4.0
Gross Receipts
$52,146,655
Mission and Program Overview

Mission

Deposits and lending to credit union members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$483,835,461$512,816,758▲ $28,981,297
Savings and Temporary Cash Investments$121,816,711$127,357,572▲ $5,540,861
Rtn Earn Endowment Incm Other Fnds$64,272,419$69,771,903▲ $5,499,484
Investments Other Securities$30,676,259$34,425,557▲ $3,749,298
Land, Buildings, and Equipment, Net$30,341,045$29,890,199▼ $450,846
Receivables From Officers Etc$16,308,953$17,047,732▲ $738,779
Cash and Non-Interest-Bearing Accounts$8,992,774$8,818,101▼ $174,673
Prepaid Expenses and Deferred Charges$1,347,818$1,303,595▼ $44,223
Accounts Receivable$14,478$74,476▲ $59,998
Total Assets$706,477,311$744,839,651▲ $38,362,340
Other Assets Total$13,143,812$13,105,661▼ $38,151
Liabilities
Other Liabilities$637,946,547$667,954,300▲ $30,007,753
Accounts Payable and Accrued Expenses$4,258,345$7,113,448▲ $2,855,103
Total Liabilities$642,204,892$675,067,748▲ $32,862,856
Net Assets / Fund Balance
Total Net Assets Fund Balance$64,272,419$69,771,903▲ $5,499,484
Total Liabilities and Net Assets / Fund Balance$706,477,311$744,839,651▲ $38,362,340

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,016,278$9,869,869$28,886,147
Equipment$3,262,452$16,232,873$19,495,325
Land$6,958,410-$6,958,410
Other Land Buildings$653,059-$653,059
Leasehold Improvements-$270,737$270,737
Other Securities$1,000,000--
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Denise L BarstowPresidentCEOFT$542,528$527,448$1,069,976
Michele M PlazaExecutive VPFT$366,149$316,612$682,761
Lisa R BarowskiExecutive VPCFOFT$300,370$245,072$545,442
Karen L LaplumeExecutive VPCOOFT$295,038$98,389$393,427
Samantha J MulvaneySVP Lending RiskFT$182,104$79,049$261,153
Willie a HouseSVP TechnologyFT$188,810$63,782$252,592
Lisa D EganVP Human ResourcesFT$176,254$74,439$250,693
Tracey a HealeyVP LendingFT$178,615$37,563$216,178
Alicia E MattsonVP BranchesFT$148,012$65,776$213,788

Board Members and Trustees

NameTitle
Deborah VandebergheChairman
Lorrie PiperVice Chairman
Allen PatteeBoard Member
Cassandra ReederBoard Member
Catherine M PikeBoard Member
Gerard FerrariBoard Member
Paul E RamseyBoard Member
Robert a FleuryBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
SnowCap TechnologiesInformation TechPO Box 4110, Woburn, MA 01888$751,218
Boutin Law OfficeLegalPO Box 1177, Londonderry, NH 03053$176,560
-Janitorial12 Parker Way, Auburn, NH 03032$111,541
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,722,807
Investment Income
$6,463,400
Other Revenue
$10,945,218
Change in Net Assets
$5,023,130

Audited Revenue Reconciliation

Revenue per Audited Statements
$52,131,425
Total Revenue per Audited Statements
$52,131,425
Total Revenue per Form 990
$52,131,425
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$27,322,756
Salaries, Compensation, and Employee Benefits$19,785,539
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,657,468
Other Expenses---$3,688,373
Information Technology---$2,945,227
Current Officers, Directors, Trustees, and Key Employees---$2,553,340
Other Employee Benefits---$2,514,738
Depreciation Depletion---$2,341,214
Occupancy---$1,314,205
Fees for Services Other---$1,275,913
Office Expenses---$1,081,132
Pension Plan Contributions---$1,079,966
Payroll Taxes---$980,027
All Other Expenses---$684,806
Advertising---$427,276
Fees for Services Accounting---$213,921
Insurance---$203,876
Travel---$75,748
Conferences and Meetings---$32,790
Fees for Services Legal---$21,152
Interest---$12
Total Functional Expenses$0$0$0$47,108,295

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$47,108,295
Total Expenses per Audited Statements$47,108,295
Total Expenses per Form 990$47,108,295
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$16,308,953$17,047,732▲ $738,779
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Deposits$667,954,300
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“Form 990 is reviewed by the President/CEO”

Part VI Line 19

“Documents are available upon request”

Part VI Line 6

“We currently have 53,244 members”

Part VI Line 7A

“The Board of Directors are elected at the Annual Meeting”

Part VI Line 7A

“of the membership”

Part VI Line 12C

“Employees and volunteers are required to sign the policy when”

Part VI Line 12C

“hired and on an annual basis”

Part VI Line 15A

“Compensation is determined by grade and level for each position”

Filing and Contact Details

Filer

Filer Name
Granite State Credit Union
EIN
02-0227484
In Care Of
% Lisa R Barowski
Phone
6036682221
Address
1415 Elm Street, Manchester, NH 03101

Signing Officer

Name
Lisa R Barowski
Title
Evpcfo
Phone
6036682221
Signed
2026-04-13

Organization Details

Principal Officer
Michele M Plaza
Formed
1945
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
8
Employees
175
Volunteers
10
Raw XML AppendixShowing 400 of 614 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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