State credit union · HARTFORD, Connecticut · NCUA charter #65728

Connecticut State Employees

Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

81
Health / 100
$2.64B
Total assets
69,672
Members
8.6%
Net-worth ratio

Connecticut State Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65728. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Connecticut State Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Connecticut State Employees holds approximately $2.4B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 8.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 8.6% · $2.4B 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

Connecticut State Employees - Five Health Pillars

Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 8.56% 30% weight
  • Asset quality (delinquency) 0.17% 25% weight
  • Earnings (ROA) 0.29% 15% weight
  • Member growth 1.04% 15% weight
  • Liquidity (loan-to-share) 18% 15% weight

Weighted composite: 81/100 - 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 57.1%

8.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$2.64B
Total Assets
69,672
Members
$423.7M
Total Loans
$2.40B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 8.56% 30%
Delinquency Rate 0.17% 25%
Return on Assets 0.29% 15%
Member Growth 1.04% 15%
Loan-to-Share Ratio 17.67% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $2.64B 69,672
2024Q4 $2.49B 68,955
2023Q4 $2.38B 67,579

Credit Union Details

Charter Number
65728
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
Connecticut
City
HARTFORD
Data Quarter
2025Q4

What This Data Says About Connecticut State Employees

The five-factor composite scores Connecticut State Employees at 81/100 (Excellent), reflecting a net worth ratio of 8.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in HARTFORD, Connecticut, reports 69,672 members, $2.64B in total assets, and $423.7M in outstanding loans as of Q4 2025 under charter #65728 (peer group Over $500M, a cohort of 749 similarly-sized institutions).

0.17% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 17.67% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.29% on net income of $7.6M 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 1.04%. 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

A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.

Compare Connecticut State Employees vs AMERICAN EAGLE FINANCIAL

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 State Employees financially healthy?

Yes/no aside, the number is 81/100 (Excellent) - Connecticut State Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.56% net worth ratio and 0.17% delinquency rate are the key drivers.

How does Connecticut State Employees compare to other credit unions?

81/100 is Connecticut State Employees's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 State Employees?

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

Is my money safe at Connecticut State Employees?

Federal credit unions like Connecticut State Employees 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 State Employees's net worth ratio of 8.56% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Connecticut State Employees offer compared to banks?

Credit unions like Connecticut State Employees 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 State Employees 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.