Federal credit union · Richmond, Virginia · NCUA charter #6670
CONNECTS
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $103.0M
- Total assets
- 15,659
- Members
- 5.3%
- Net-worth ratio
CONNECTS scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $103.0M; members 15,659; net-worth ratio 5.34%; health rank #3,793 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,793 of 4,374 health · 2025Q4CONNECTS · health 67/100 · $103.0M · 2025Q4
- NCUSIF 67/100
- CAMELS 5.3%
- HEALTH 1.07%
- NW -0.07%
- DELQ $103.0M
- ROA 15,659
- ASSETS #3,793/4,374
- MEM Winthrop Area
- RANK 6670
Call Report peers
CONNECTS in the assets neighbourhood
CONNECTS's $103.0M assets sit next to Winthrop Area ($103.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CONNECTS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CONNECTS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6670. See our deposit-insurance coverage note.
CONNECTS vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 76.88% here, 72.20% peer average (+4.68 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.77 pp (5.34% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CONNECTS sits in Virginia
- In Virginia, health place is #80 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #47 of 95.
- Membership ranks #34 of 95 among Virginia CUs with a reported count (15,659 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CONNECTS: 2025Q4 → 2026Q1
CONNECTS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $103.0M (2025Q4) to $101.5M (2026Q1).
- Net-worth ratio shifted -0.57 pp (5.91% → 5.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 5.34%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 13.4 pts
- Delinquency Rate 19.5 pts
- Return on Assets 3.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
CONNECTS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.34% | -6.77 pp |
| Delinquency Rate | 1.07% | +0.17 pp |
| Return on Assets | -0.07% | -0.69 pp |
| Member Growth | 76.12% | - |
| Loan-to-Share Ratio | 76.88% | +4.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - CONNECTS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.5M | - |
| 2025Q4 | $103.0M | 15,659 |
| 2024Q4 | $84.8M | 8,891 |
| 2023Q4 | $91.6M | 9,083 |
Credit Union Details
- Charter Number
- 6670
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for CONNECTS, spread across 3 cities.
| Office | City |
|---|---|
| Henrico (Main Office) | Richmond, VA |
| Hanover | Mechanicsville, VA |
| Chesterfield | North Chesterfield, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
CONNECTS nationwide neighbourhoods
Two NCUA Call Report peer sets for CONNECTS, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($103.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- CONNECTS ranks #3,793 of 4,374 nationally on financial health and #80 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Roanoke Valley Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Roanoke Valley Community
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CONNECTS financially healthy?
CONNECTS scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,793 of 4,374; by total assets it ranks #1,798 of 4,374 nationally (same basis as /rankings/largest); and #47 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.34% net worth ratio and a 1.07% delinquency rate.
How does CONNECTS compare to other credit unions?
On PlainCU's health composite, CONNECTS lands at 67/100, compared to a peer group average for $100M–$500M 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 CONNECTS?
CONNECTS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CONNECTS directly for the exact boundaries and application steps.
Is my money safe at CONNECTS?
Federal credit unions like CONNECTS 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. CONNECTS's net worth ratio of 5.34% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does CONNECTS offer compared to banks?
Credit unions like CONNECTS 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 CONNECTS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.