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
Call Report peers
FINEX in the assets neighbourhood
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
- Assets moved +0.7% from $133.2M (2025Q4) to $134.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.68% → 8.61%).
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.
Cross-state Call Report peers for FINEX
Similar total assets
Similar health score
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."
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.