Federal credit union · ENFIELD, Connecticut · NCUA charter #1729
Enfield Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $44.2M
- Total assets
- 3,497
- Members
- 9.2%
- Net-worth ratio
Enfield Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.2M; members 3,497; net-worth ratio 9.21%; health rank #2,780 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,780 of 4,374 health · 2025Q4Enfield Community · health 80/100 · $44.2M · 2025Q4
Call Report peers
Enfield Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Enfield Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Enfield Community sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Enfield Community vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.23% here, 1.15% peer average (-0.91 pp).
- Largest lag: Loan-to-Share Ratio at 44.23% vs peer 59.80% (-15.57 pp).
Enfield Community in Connecticut
- Connecticut health ordinal: #36 of 64.
- Connecticut assets place: #34 of 64.
- Connecticut membership ordinal: #31 of 64.
- One place up in Connecticut, HARTFORD (#35) ties at 80/100; one place down, Connecticut Postal (#37) scores 79/100, 1 point lower.
Enfield Community Call Report trajectory
Enfield Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $44.2M (2025Q4) to $45.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.26% → 9.21%).
This credit union's 9.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Enfield Community gives up 20 points in total. Member Growth costs the most, 12.8 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 9.8 pts
Enfield Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.21% | -5.65 pp |
| Delinquency Rate | 0.23% | -0.91 pp |
| Return on Assets | 0.81% | +0.11 pp |
| Member Growth | -3.77% | - |
| Loan-to-Share Ratio | 44.23% | -15.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.4M | - |
| 2025Q4 | $44.2M | 3,497 |
| 2024Q4 | $42.9M | 3,634 |
| 2023Q4 | $43.5M | 3,728 |
Credit Union Details
- Charter Number
- 1729
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- ENFIELD
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Enfield Community runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Enfield Community FCU (Main Office) | Enfield, CT |
| Tobacco Valley Teachers FCU | Enfield, CT |
| FRANKLIN TRUST | HARTFORD, CT |
| CMC/Flex | Sandy, UT |
| Riverbank Federal Credit Uion | Windsor Locks, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
- POLICE CREDIT UNION OF CONNECTICUTHartford, CT · $10M–$50M95Health
- MEMBERSStamford, CT · $10M–$50M89Health
- SKYLINE FINANCIALWaterbury, CT · $10M–$50M86Health
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M90Health
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
Compare Enfield Community vs POLICE CREDIT UNION OF CONNECTICUT
Cross-state Call Report peers for Enfield Community
Similar total assets
Similar health score
Using this data
- Enfield Community ranks #2,780 of 4,374 nationally on financial health and #36 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Police Credit Union of Connecticut is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Police Credit Union of Connecticut
Frequently Asked Questions
Is Enfield Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Enfield Community scores 80/100 (Excellent), with a 9.21% net worth ratio and 0.23% of loans delinquent. It ranks #2,780 of 4,374 nationally on health and #36 of 64 in Connecticut.
How does Enfield Community compare to other credit unions?
Enfield Community scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.23% vs 1.15%). Its widest shortfall is loan-to-share ratio (44.23% vs 59.80%).
How can I join Enfield Community?
Enfield Community 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 Enfield Community directly for the exact boundaries and application steps.
Is my money safe at Enfield Community?
Enfield Community is a federal credit union; its shares are federally 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. Enfield Community's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.