Federal credit union · Richmond, Virginia · NCUA charter #6670
Connects
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $103.0M
- Total assets
- 15,659
- Members
- 5.9%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)49
- Asset quality (delinquency)78
- Earnings (ROA)26
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.91%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.91% | 30% |
| Delinquency Rate | 1.07% | 25% |
| Return on Assets | -0.07% | 15% |
| Member Growth | 76.12% | 15% |
| Loan-to-Share Ratio | 76.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Connects
15,659 members and $103.0M in total assets sit behind Connects, a federal credit union in Richmond, Virginia, which posts a health score of 68/100 (Good) on the five-factor composite, with $73.9M in outstanding loans as of Q4 2025 and a net worth ratio of 5.91% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6670 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.07% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 76.88% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.07% on net income of $-73416 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 76.12%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) 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 Virginia
Other federally-insured credit unions in Virginia, 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 Connects financially healthy?
Connects scores 68/100 (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 5.91% 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 68/100, 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 5.91% 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.
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.