State credit union · Manchester, Connecticut · NCUA charter #60247
Community Healthcare
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $17.8M
- Total assets
- 2,285
- Members
- 9.8%
- Net-worth ratio
Community Healthcare - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60247. See our deposit-insurance coverage note.
Community Healthcare - 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)98
- Asset quality (delinquency)47
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.76% | 30% |
| Delinquency Rate | 2.13% | 25% |
| Return on Assets | 3.24% | 15% |
| Member Growth | -3.30% | 15% |
| Loan-to-Share Ratio | 74.24% | 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 | $17.8M | 2,285 |
| 2024Q4 | $17.3M | 2,363 |
| 2023Q4 | $16.2M | 2,350 |
Credit Union Details
- Charter Number
- 60247
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Manchester
- Data Quarter
- 2025Q4
What This Data Says About Community Healthcare
The five-factor composite scores Community Healthcare at 74/100 (Very Good), reflecting a net worth ratio of 9.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Manchester, Connecticut, reports 2,285 members, $17.8M in total assets, and $11.8M in outstanding loans as of Q4 2025 under charter #60247 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 2.13% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 74.24% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 3.24% on net income of $578K 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 -3.30%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
- COMMUNITY CU OF NEW MILFORD, INC.NEW MILFORD, CT · $10M–$50M62Health
- CONNECTICUT LABOR DEPTWethersfield, CT · $10M–$50M84Health
- ST. VINCENT'S MEDICAL CENTERBRIDGEPORT, CT · $10M–$50M64Health
- CONNECTICUT POSTALNew Britain, CT · $10M–$50M79Health
- STAMFORD HEALTHCAREStamford, CT · $10M–$50M47Health
Compare Community Healthcare vs COMMUNITY CU OF NEW MILFORD, INC.
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 Healthcare financially healthy?
Community Healthcare scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.76% net worth ratio and a 2.13% delinquency rate.
How does Community Healthcare compare to other credit unions?
On PlainCU's health composite, Community Healthcare lands at 74/100, 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 Community Healthcare?
Membership eligibility for Community Healthcare depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Healthcare directly for current membership requirements and application steps.
Is my money safe at Community Healthcare?
Federal credit unions like Community Healthcare 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 Healthcare's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Healthcare offer compared to banks?
Credit unions like Community Healthcare 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 Healthcare 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.