Federal credit union · BLOOMFIELD, Connecticut · NCUA charter #21190
Asa
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $11.1M
- Total assets
- 1,076
- Members
- 7.8%
- Net-worth ratio
Asa - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21190 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Asa - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth8
- Liquidity (loan-to-share)63
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.84% | 30% |
| Delinquency Rate | 5.93% | 25% |
| Return on Assets | 1.08% | 15% |
| Member Growth | -4.36% | 15% |
| Loan-to-Share Ratio | 38.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.1M | 1,076 |
| 2024Q4 | $11.8M | 1,125 |
| 2023Q4 | $10.8M | 1,140 |
Credit Union Details
- Charter Number
- 21190
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- BLOOMFIELD
- Data Quarter
- 2025Q4
What This Data Says About Asa
Asa is a federal credit union headquartered in BLOOMFIELD, Connecticut, serving 1,076 members with $11.1M in total assets and $3.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 50/100 (Fair), anchored by a net worth ratio of 7.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #21190 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
5.93% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 38.04% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.08% on net income of $120K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.36%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Select Employee Group) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
- WATERBURY POSTAL EMPLOYEESWATERBURY, CT · $10M–$50M50Health
- NEW HAVEN TEACHERSNew Haven, CT · $10M–$50M87Health
- CONNECTICUT POSTALNew Britain, CT · $10M–$50M79Health
- CONNECTICUT LABOR DEPTWethersfield, CT · $10M–$50M84Health
- COMMUNITY CU OF NEW MILFORD, INC.NEW MILFORD, CT · $10M–$50M62Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Asa financially healthy?
Yes/no aside, the number is 50/100 (Fair) - Asa's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.84% net worth ratio and 5.93% delinquency rate are the key drivers.
How does Asa compare to other credit unions?
On PlainCU's health composite, Asa lands at 50/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Asa?
Asa serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Asa directly for the current list of qualifying groups.
Is my money safe at Asa?
Federal credit unions like Asa 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. Asa's net worth ratio of 7.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Asa offer compared to banks?
Credit unions like Asa 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 Asa directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.