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
Call Report peers
Fd Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Fd Community sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Connecticut, Regional Water Authority Employees (#40) scores 77/100, 1 point higher; one place down, Community Healthcare (#42) scores 75/100, 1 point lower.
How Fd Community's 5300 filing moved
Fd Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $156.1M (2025Q4) to $159.9M (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.27% → 11.11%).
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
Fd Community gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Fd Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Fd Community scores 76/100 (Very Good), with a 11.11% net worth ratio and 1.38% of loans delinquent. It ranks #3,187 of 4,374 nationally on health and #41 of 64 in Connecticut.
How does Fd Community compare to other credit unions?
Fd Community scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.98% vs 0.62%). Its widest shortfall is loan-to-share ratio (66.94% vs 72.20%).
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?
Fd 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. Fd Community's net worth ratio of 11.11% 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.