Federal credit union · Waterbury, Connecticut · NCUA charter #42
Fd Community
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $156.1M
- Total assets
- 13,486
- Members
- 11.1%
- Net-worth ratio
Fd Community scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.1M; members 13,486; net-worth ratio 11.11%; health rank #3,187 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,187 of 4,374 health · 2025Q4Fd Community · health 76/100 · $156.1M · 2025Q4
- CHARTER 76/100
- NCUSIF 11.1%
- CAMELS 1.38%
- HEALTH 0.98%
- NW $156.1M
- DELQ 13,486
- ROA #3,187/4,374
- ASSETS Chocolate Bayou Community
- MEM 42
Call Report peers
Fd Community in the assets neighbourhood
Fd Community's $156.1M assets sit next to Chocolate Bayou Community ($156.0M) 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.
Fd Community 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
76 26th percentile higher than 26% 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
Fd Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #42. See our deposit-insurance coverage note.
Fd Community: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.98% vs peer 0.62% (+0.36 pp).
- Largest lag: Loan-to-Share Ratio at 66.94% vs peer 72.20% (-5.26 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Connecticut standing for Fd Community
- In Connecticut, health place is #41 of 64 on the same NCUA-ratio sort used nationally.
- Assets rank #15 of 64 inside Connecticut ($156.1M reported).
- Member book place in Connecticut: #16 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Fd Community's 5300 filing moved
Fd Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $156.1M (2025Q4) to $159.9M (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.27% → 11.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.11% | -1.00 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | 0.98% | +0.36 pp |
| Member Growth | -5.99% | - |
| Loan-to-Share Ratio | 66.94% | -5.26 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $159.9M | - |
| 2025Q4 | $156.1M | 13,486 |
| 2024Q4 | $147.7M | 14,346 |
| 2023Q4 | $142.7M | 14,349 |
Credit Union Details
- Charter Number
- 42
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Waterbury
- Data Quarter
- 2025Q4
Branch Locations (3)
Fd Community operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Watertown Avenue (Main Office) | Waterbury, CT |
| Meriden Rd | Waterbury, CT |
| Woodruff Ave | Watertown, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
Cross-state Call Report peers for Fd Community
Two NCUA Call Report peer sets for Fd Community, both outside Connecticut 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 ($156.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Fd Community ranks #3,187 of 4,374 nationally on financial health and #41 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARTFORD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARTFORD
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Fd Community financially healthy?
Fd Community scores 76/100 (Very 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 #3,187 of 4,374; by total assets it ranks #1,466 of 4,374 nationally (same basis as /rankings/largest); and #15 of 64 within Connecticut. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.11% net worth ratio and a 1.38% delinquency rate.
How does Fd Community compare to other credit unions?
Fd Community scores 76/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Fd Community?
Fd 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 Fd Community directly for the exact boundaries and application steps.
Is my money safe at Fd Community?
Federal credit unions like Fd Community 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. Fd Community's net worth ratio of 11.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fd Community offer compared to banks?
Credit unions like Fd Community 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 Fd Community 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.