State credit union · New Haven, Connecticut · NCUA charter #68745
Healthcare Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $64.5M
- Total assets
- 9,604
- Members
- 12.8%
- Net-worth ratio
Healthcare Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.5M; members 9,604; net-worth ratio 12.84%; health rank #1,447 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,447 of 4,374 health · 2025Q4Healthcare Financial · health 88/100 · $64.5M · 2025Q4
- PHOTO 88/100
- BOOK 12.8%
- CHARTER 0.21%
- NCUSIF 0.00%
- CAMELS $64.5M
- HEALTH 9,604
- NW #1,447/4,374
- DELQ LOCO
- ROA 68745
Call Report peers
Healthcare Financial in the assets neighbourhood
Healthcare Financial's $64.5M assets sit next to LOCO ($64.5M) 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.
Healthcare Financial 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
88 Top 35% higher than 65% 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
Healthcare Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68745. See our deposit-insurance coverage note.
Where Healthcare Financial diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.99% vs peer 62.60% (+20.39 pp).
- Net Worth Ratio trails the peer set - 12.84% here, 13.62% peer average (-0.78 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Connecticut standing for Healthcare Financial
- In Connecticut, health place is #16 of 64 on the same NCUA-ratio sort used nationally.
- By total assets, Healthcare Financial is #29 of 64 in Connecticut.
- Connecticut membership ordinal: #20 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.
Quarter path for Healthcare Financial
- Assets moved +1.4% from $64.5M (2025Q4) to $65.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (12.96% → 12.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 29.4 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 18.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.84% | -0.78 pp |
| Delinquency Rate | 0.21% | -0.76 pp |
| Return on Assets | 0.00% | -0.66 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 82.99% | +20.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Healthcare Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.4M | - |
| 2025Q4 | $64.5M | 9,604 |
Credit Union Details
- Charter Number
- 68745
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- New Haven
- Data Quarter
- 2025Q4
Branch Locations (5)
Healthcare Financial operates 5 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | New Haven, CT |
| Bridgeport Office | Bridgeport, CT |
| Fiserv Portico | Frisco, TX |
| Long Wharf | New Haven, CT |
| Chapel Street | New Haven, 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 Healthcare Financial
Cross-state asset and health neighbours for Healthcare Financial - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($64.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Healthcare Financial ranks #1,447 of 4,374 nationally on financial health and #16 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORNERSTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORNERSTONE
- 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 Healthcare Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Healthcare Financial carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,447 of 4,374; by total assets it ranks #2,206 of 4,374 nationally (same basis as /rankings/largest); and #29 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.84% net worth ratio and a 0.21% delinquency rate.
How does Healthcare Financial compare to other credit unions?
Five weighted metrics from NCUA filings produce Healthcare Financial's 88/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Healthcare Financial?
Membership eligibility for Healthcare Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Healthcare Financial directly for current membership requirements and application steps.
Is my money safe at Healthcare Financial?
Federal credit unions like Healthcare Financial 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. Healthcare Financial's net worth ratio of 12.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthcare Financial offer compared to banks?
Credit unions like Healthcare Financial 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 Healthcare Financial 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.