Federal credit union · Windsor Locks, Connecticut · NCUA charter #7723
360
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $312.7M
- Total assets
- 18,877
- Members
- 9.4%
- Net-worth ratio
360 scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $312.7M; members 18,877; net-worth ratio 9.38%; health rank #1,711 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,711 of 4,374 health · 2025Q4360 · health 87/100 · $312.7M · 2025Q4
- NW 87/100
- DELQ 9.4%
- ROA 0.55%
- ASSETS 0.35%
- MEM $312.7M
- RANK 18,877
- PHOTO #1,711/4,374
- BOOK DANNEMORA
- CHARTER 7723
Call Report peers
360 in the assets neighbourhood
360's $312.7M assets sit next to DANNEMORA ($312.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
360 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
360 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7723, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where 360 diverges from peer averages
- Delinquency Rate leads the peer set - 0.55% here, 0.89% peer average (-0.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.34 pp (68.86% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
360 in Connecticut
- In Connecticut, health place is #21 of 64 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 64 inside Connecticut ($312.7M reported).
- Member book place in Connecticut: #12 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 360's 5300 filing moved
360: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $312.7M (2025Q4) to $324.1M (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.58% → 9.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 24.5 pts
- Return on Assets 12.8 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.38% | -2.73 pp |
| Delinquency Rate | 0.55% | -0.34 pp |
| Return on Assets | 0.35% | -0.27 pp |
| Member Growth | -1.25% | - |
| Loan-to-Share Ratio | 68.86% | -3.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - 360
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $324.1M | - |
| 2025Q4 | $312.7M | 18,877 |
| 2024Q4 | $311.4M | 19,116 |
| 2023Q4 | $312.4M | 19,474 |
Credit Union Details
- Charter Number
- 7723
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Windsor Locks
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, 360 runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Route 75 (Main Office) | Windsor Locks, CT |
| Clinton Branch | Clinton, CT |
| Enfield Branch | Enfield, CT |
| Vernon Branch | Vernon, CT |
| Mezzanine | Windsor Locks, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near 360
360's nationwide photo peers by assets and by health score, excluding Connecticut charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($312.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- 360 ranks #1,711 of 4,374 nationally on financial health and #21 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- General Electric Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with General Electric Employees
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 360 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 360 carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,711 of 4,374; by total assets it ranks #1,016 of 4,374 nationally (same basis as /rankings/largest); and #11 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.38% net worth ratio and a 0.55% delinquency rate.
How does 360 compare to other credit unions?
360 scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 360?
360 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 360 directly for the exact boundaries and application steps.
Is my money safe at 360?
Federal credit unions like 360 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 360's net worth ratio of 9.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 360 offer compared to banks?
Credit unions like 360 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 360 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.