State credit union · NEW MILFORD, Connecticut · NCUA charter #61261

Community Cu of New Milford, Inc.

Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

62
Health / 100
$15.4M
Total assets
1,897
Members
6.4%
Net-worth ratio

Community Cu of New Milford, Inc. - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61261. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Community Cu of New Milford, Inc. Share insurance under NCUSIF covers up to $250,000 per share owner. Community Cu of New Milford, Inc. holds approximately $14.0M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 6.4 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 6.4% · $14.0M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Community Cu of New Milford, Inc. - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 6.43% 30% weight
  • Asset quality (delinquency) 1.34% 25% weight
  • Earnings (ROA) 0.97% 15% weight
  • Member growth -4.10% 15% weight
  • Liquidity (loan-to-share) 43% 15% weight

Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 42.8%

6.43% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.

$15.4M
Total Assets
1,897
Members
$6.0M
Total Loans
$14.0M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 6.43% 30%
Delinquency Rate 1.34% 25%
Return on Assets 0.97% 15%
Member Growth -4.10% 15%
Loan-to-Share Ratio 42.72% 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 $15.4M 1,897
2024Q4 $15.4M 1,978
2023Q4 $15.2M 1,965

Credit Union Details

Charter Number
61261
Type
State
Field of Membership
Other
Peer Group
$10M–$50M
State
Connecticut
City
NEW MILFORD
Data Quarter
2025Q4

What This Data Says About Community Cu of New Milford, Inc.

The five-factor composite scores Community Cu of New Milford, Inc. at 62/100 (Good), reflecting a net worth ratio of 6.43% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in NEW MILFORD, Connecticut, reports 1,897 members, $15.4M in total assets, and $6.0M in outstanding loans as of Q4 2025 under charter #61261 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).

1.34% 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 42.72% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.97% on net income of $150K 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 -4.10%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

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Compare Community Cu of New Milford, Inc. vs CONNECTICUT LABOR DEPT

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 Community Cu of New Milford, Inc. financially healthy?

Yes/no aside, the number is 62/100 (Good) - Community Cu of New Milford, Inc.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.43% net worth ratio and 1.34% delinquency rate are the key drivers.

How does Community Cu of New Milford, Inc. compare to other credit unions?

Five weighted metrics from NCUA filings produce Community Cu of New Milford, Inc.'s 62/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Community Cu of New Milford, Inc.?

Membership eligibility for Community Cu of New Milford, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Cu of New Milford, Inc. directly for current membership requirements and application steps.

Is my money safe at Community Cu of New Milford, Inc.?

Federal credit unions like Community Cu of New Milford, Inc. 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. Community Cu of New Milford, Inc.'s net worth ratio of 6.43% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does Community Cu of New Milford, Inc. offer compared to banks?

Credit unions like Community Cu of New Milford, Inc. 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 Community Cu of New Milford, Inc. 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.