Federal credit union · BRIDGEPORT, Connecticut · NCUA charter #23896
East End Baptist Tabernacle
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $135K
- Total assets
- 196
- Members
- 11.1%
- Net-worth ratio
East End Baptist Tabernacle - Share Insurance Coverage
Charter #23896's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
East End Baptist Tabernacle - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)43
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.12% 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 | 11.12% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | -21.29% | 15% |
| Loan-to-Share Ratio | 5.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $135K | 196 |
| 2024Q4 | $171K | 249 |
| 2023Q4 | $128K | 277 |
Credit Union Details
- Charter Number
- 23896
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Connecticut
- City
- BRIDGEPORT
- Data Quarter
- 2025Q4
What This Data Says About East End Baptist Tabernacle
Headquartered in BRIDGEPORT, Connecticut, East End Baptist Tabernacle is a federal credit union with 196 members, $135K in total assets, and $6K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 11.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #23896 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 5.61% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.62% on net income of $841 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 -21.29%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
- FIRST BAPTIST CHURCH (STRATFORD)Stratford, CT · Under $2M47Health
- MERIDEN POSTAL EMPLOYEESMeriden, CT · Under $2M47Health
- KIEF PROTECTIVE MUTUAL BENEFIT ASS.Bloomfield, CT · Under $2M38Health
- TRUMBULLTrumbull, CT · $2M–$10M84Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
Compare East End Baptist Tabernacle vs FIRST BAPTIST CHURCH (STRATFORD)
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 East End Baptist Tabernacle financially healthy?
East End Baptist Tabernacle scores 77/100 (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 11.12% net worth ratio and a 0.00% delinquency rate.
How does East End Baptist Tabernacle compare to other credit unions?
On PlainCU's health composite, East End Baptist Tabernacle lands at 77/100, compared to a peer group average for Under $2M 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 East End Baptist Tabernacle?
East End Baptist Tabernacle 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 East End Baptist Tabernacle directly for the exact boundaries and application steps.
Is my money safe at East End Baptist Tabernacle?
Federal credit unions like East End Baptist Tabernacle 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. East End Baptist Tabernacle's net worth ratio of 11.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does East End Baptist Tabernacle offer compared to banks?
Credit unions like East End Baptist Tabernacle 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 East End Baptist Tabernacle 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.