Federal credit union · New Britain, Connecticut · NCUA charter #3683
Connecticut Postal
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $12.5M
- Total assets
- 1,362
- Members
- 20.4%
- Net-worth ratio
Connecticut Postal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3683. See our deposit-insurance coverage note.
Connecticut Postal - 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)100
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth23
- Liquidity (loan-to-share)68
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.40% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | 1.25% | 15% |
| Member Growth | -3.06% | 15% |
| Loan-to-Share Ratio | 46.94% | 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 | $12.5M | 1,362 |
| 2024Q4 | $12.8M | 1,405 |
| 2023Q4 | $13.1M | 1,452 |
Credit Union Details
- Charter Number
- 3683
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- New Britain
- Data Quarter
- 2025Q4
What This Data Says About Connecticut Postal
Headquartered in New Britain, Connecticut, Connecticut Postal is a federal credit union with 1,362 members, $12.5M in total assets, and $4.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 79/100 (Very Good), driven in part by a net worth ratio of 20.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3683 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 46.94% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.98% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.25% on net income of $156K 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 -3.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
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 Connecticut Postal financially healthy?
A 20.40% net worth ratio and a 0.98% delinquency rate feed into Connecticut Postal's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Connecticut Postal compare to other credit unions?
Connecticut Postal scores 79/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Connecticut Postal?
Connecticut Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Connecticut Postal directly to confirm current membership steps.
Is my money safe at Connecticut Postal?
Federal credit unions like Connecticut Postal 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. Connecticut Postal's net worth ratio of 20.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Connecticut Postal offer compared to banks?
Credit unions like Connecticut Postal 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 Connecticut Postal 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.