State credit union · Stamford, Connecticut · NCUA charter #68487
Members
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $43.4M
- Total assets
- 4,032
- Members
- 8.8%
- Net-worth ratio
Members - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68487: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Members - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)77
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.85% | 30% |
| Delinquency Rate | 0.94% | 25% |
| Return on Assets | 1.08% | 15% |
| Member Growth | 2.13% | 15% |
| Loan-to-Share Ratio | 97.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $43.4M | 4,032 |
| 2024Q4 | $43.1M | 3,948 |
| 2023Q4 | $43.6M | 3,762 |
Credit Union Details
- Charter Number
- 68487
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Stamford
- Data Quarter
- 2025Q4
What This Data Says About Members
4,032 members and $43.4M in total assets sit behind Members, a state credit union in Stamford, Connecticut, which posts a health score of 86/100 (Excellent) on the five-factor composite, with $36.9M in outstanding loans as of Q4 2025 and a net worth ratio of 8.85% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68487 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.94% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 97.58% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.08% on net income of $470K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.13%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M78Health
- POLICE CREDIT UNION OF CONNECTICUTHartford, CT · $10M–$50M92Health
- SKYLINE FINANCIALWaterbury, CT · $10M–$50M76Health
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M91Health
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Members financially healthy?
Members has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.85% and delinquency rate of 0.94%.
How does Members compare to other credit unions?
86/100 is Members's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Members?
Membership eligibility for Members depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members directly for current membership requirements and application steps.
Is my money safe at Members?
Federal credit unions like Members 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. Members's net worth ratio of 8.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members offer compared to banks?
Credit unions like Members 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 Members directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.