Federal credit union · Stratford, Connecticut · NCUA charter #21614
First Baptist Church (Stratford)
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $344K
- Total assets
- 155
- Members
- 7.9%
- Net-worth ratio
First Baptist Church (Stratford) scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $344K; members 155; net-worth ratio 7.88%; health rank #4,072 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,072 of 4,374 health · 2025Q4First Baptist Church · health 60/100 · $344K · 2025Q4
- DELQ 60/100
- ROA 7.9%
- ASSETS 1.97%
- MEM 0.78%
- RANK $344K
- PHOTO 155
- BOOK #4,072/4,374
- CHARTER n/a
- NCUSIF 21614
Call Report peers
First Baptist Church (Stratford) carries $344K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Baptist Church (Stratford) 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
60 7th percentile higher than 7% 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
First Baptist Church (Stratford) - Share Insurance Coverage
Charter #21614's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for First Baptist Church (Stratford)
- Largest favorable gap: Delinquency Rate at 1.97% vs peer 4.48% (-2.50 pp).
- Loan-to-Share Ratio trails the peer set - 17.39% here, 52.70% peer average (-35.31 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Baptist Church (Stratford) sits in Connecticut
- In Connecticut, health place is #56 of 64 on the same NCUA-ratio sort used nationally.
- Connecticut assets place: #63 of 64.
- Member book place in Connecticut: #62 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.
First Baptist Church (Stratford): 2025Q4 → 2026Q1
First Baptist Church (Stratford): total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $344K (2025Q4) to $340K (2026Q1).
- Net-worth ratio shifted +0.23 pp (7.65% → 7.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 12.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.6 pts
Call Report ratios for First Baptist Church (Stratford)
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.88% | -15.05 pp |
| Delinquency Rate | 1.97% | -2.50 pp |
| Return on Assets | 0.78% | +0.56 pp |
| Member Growth | -24.76% | - |
| Loan-to-Share Ratio | 17.39% | -35.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
First Baptist Church filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $340K | - |
| 2025Q4 | $344K | 155 |
| 2024Q4 | $355K | 206 |
| 2023Q4 | $298K | 210 |
Credit Union Details
- Charter Number
- 21614
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Connecticut
- City
- Stratford
- Data Quarter
- 2025Q4
Branch Location
First Baptist Church (Stratford) operates a single office in Stratford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| First Baptist Church FCU (Main Office) | Stratford, 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.
- MERIDEN POSTAL EMPLOYEESMeriden, CT · Under $2M51Health
- EAST END BAPTIST TABERNACLEBRIDGEPORT, CT · Under $2M77Health
- KIEF PROTECTIVE MUTUAL BENEFIT ASS.Bloomfield, CT · Under $2M68Health
- TRUMBULLTrumbull, CT · $2M–$10M84Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
Compare First Baptist Church (Stratford) vs MERIDEN POSTAL EMPLOYEES
Cross-state Call Report peers for First Baptist Church
Cross-state asset and health neighbours for First Baptist Church (Stratford) - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- First Baptist Church (Stratford) ranks #4,072 of 4,374 nationally on financial health and #56 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Meriden Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Meriden Postal Employees
- 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 First Baptist Church (Stratford) financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Baptist Church (Stratford) carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,072 of 4,374; by total assets it ranks #4,327 of 4,374 nationally (same basis as /rankings/largest); and #63 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.88% net worth ratio and a 1.97% delinquency rate.
How does First Baptist Church (Stratford) compare to other credit unions?
On PlainCU's health composite, First Baptist Church (Stratford) lands at 60/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 First Baptist Church (Stratford)?
First Baptist Church (Stratford) 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 First Baptist Church (Stratford) directly for the exact boundaries and application steps.
Is my money safe at First Baptist Church (Stratford)?
Federal credit unions like First Baptist Church (Stratford) 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. First Baptist Church (Stratford)'s net worth ratio of 7.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Baptist Church (Stratford) offer compared to banks?
Credit unions like First Baptist Church (Stratford) 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 First Baptist Church (Stratford) 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.