State credit union · East Hartford, Connecticut · NCUA charter #68662
FINEX
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $133.2M
- Total assets
- 16,315
- Members
- 8.6%
- Net-worth ratio
FINEX scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $133.2M; members 16,315; net-worth ratio 8.61%; health rank #4,144 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,144 of 4,374 health · 2025Q4FINEX · health 57/100 · $133.2M · 2025Q4
- RANK 57/100
- PHOTO 8.6%
- BOOK 1.73%
- CHARTER -0.36%
- NCUSIF $133.2M
- CAMELS 16,315
- HEALTH #4,144/4,374
- NW Upper Cumberland
- DELQ 68662
Call Report peers
FINEX in the assets neighbourhood
FINEX's $133.2M assets sit next to Upper Cumberland ($133.2M) 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.
FINEX 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
57 5th percentile higher than 5% 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
FINEX - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68662 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
FINEX vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +11.01 pp (83.21% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.61% here, 12.11% peer average (-3.50 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 FINEX
- Connecticut health ordinal: #59 of 64.
- Connecticut assets place: #18 of 64.
- Member book place in Connecticut: #14 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.
FINEX: 2025Q4 → 2026Q1
FINEX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $133.2M (2025Q4) to $134.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.68% → 8.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 14.5 pts
- Return on Assets 1.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
FINEX health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.61% | -3.50 pp |
| Delinquency Rate | 1.73% | +0.83 pp |
| Return on Assets | -0.36% | -0.98 pp |
| Member Growth | -8.38% | - |
| Loan-to-Share Ratio | 83.21% | +11.01 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).
Call Report history - FINEX
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $134.2M | - |
| 2025Q4 | $133.2M | 16,315 |
| 2024Q4 | $141.1M | 17,808 |
| 2023Q4 | $150.0M | 19,541 |
Credit Union Details
- Charter Number
- 68662
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- East Hartford
- Data Quarter
- 2025Q4
Branch Locations (4)
FINEX operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Finex Administrative Office (Main Office) | East Hartford, CT |
| Finex East Hartford Branch | East Hartford, CT |
| Finex Vernon Branch | Vernon, CT |
| Wallingford Branch | Wallingford, 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.
Cross-state Call Report peers for FINEX
Cross-state asset and health neighbours for FINEX - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($133.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- FINEX ranks #4,144 of 4,374 nationally on financial health and #59 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Business & Industry is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Business & Industry
- 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 FINEX financially healthy?
FINEX scores 57/100 (Fair) 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 #4,144 of 4,374; by total assets it ranks #1,584 of 4,374 nationally (same basis as /rankings/largest); and #18 of 64 within Connecticut. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.61% net worth ratio and a 1.73% delinquency rate.
How does FINEX compare to other credit unions?
FINEX scores 57/100 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 FINEX?
Membership eligibility for FINEX depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FINEX directly for current membership requirements and application steps.
Is my money safe at FINEX?
Federal credit unions like FINEX 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. FINEX's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FINEX offer compared to banks?
Credit unions like FINEX 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 FINEX 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.