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 · 2025Q4

FINEX · health 57/100 · $133.2M · 2025Q4

FINEX in the assets neighbourhood

Indiana State University$134.2MPHEPLE$133.4MUpper Cumberland$133.2MFINEX (this)$133.2MIntegra First$133.1MTelco Plus$132.8M
Nearest other-state credit unions by total assets (NCUA 5300)

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

The busiest band is 85-89 (858 credit unions); FINEX sits in 55-59 with 115 others.

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 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).

Connecticut standing for FINEX

  • Connecticut health ordinal: #59 of 64.
  • Connecticut assets place: #18 of 64.
  • Member book place in Connecticut: #14 of 64.
  • One place up in Connecticut, Achieve Financial (#58) scores 59/100, 2 points higher; one place down, ASA (#60) scores 52/100, 5 points lower.

FINEX: 2025Q4 → 2026Q1

FINEX: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

130,000,000140,000,000150,000,000160,000,000 2023Q42024Q42025Q42026Q1 150,015,119 134,153,300 ▼ -10.6%
  • Assets moved +0.7% from $133.2M (2025Q4) to $134.2M (2026Q1).
  • Net-worth ratio shifted -0.07 pp (8.68% → 8.61%).
Net worth ratio vs. NCUA well-capitalized threshold 57.4%

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

FINEX gives up 43 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.

  • 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

Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.

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.

Compare FINEX vs UNITED BUSINESS & INDUSTRY

Cross-state Call Report peers for FINEX

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

Frequently Asked Questions

Is FINEX financially healthy?

FINEX has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,144 of 4,374 nationally on health and #59 of 64 in Connecticut. Its net worth ratio is 8.61% and its delinquency rate 1.73%.

How does FINEX compare to other credit unions?

FINEX scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (83.21% vs 72.20%). Its widest shortfall is net worth ratio (8.61% vs 12.11%).

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?

FINEX is a state-chartered 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. FINEX's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for FINEX. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.