State credit union · SHELTON, Connecticut · NCUA charter #68479
Mutual Security
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $362.5M
- Total assets
- 26,402
- Members
- 9.0%
- Net-worth ratio
Mutual Security - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68479: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mutual Security - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)91
- Asset quality (delinquency)100
- Earnings (ROA)85
- Member growth48
- Liquidity (loan-to-share)81
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.98% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | -1.00% | 15% |
| Loan-to-Share Ratio | 96.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $362.5M | 26,402 |
| 2024Q4 | $355.0M | 26,670 |
| 2023Q4 | $357.5M | 27,230 |
Credit Union Details
- Charter Number
- 68479
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- SHELTON
- Data Quarter
- 2025Q4
What This Data Says About Mutual Security
Mutual Security is a state credit union headquartered in SHELTON, Connecticut, serving 26,402 members with $362.5M in total assets and $306.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 85/100 (Excellent), anchored by a net worth ratio of 8.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68479 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 96.17% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.44% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.35% on net income of $1.3M 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 -1.00%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
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 Mutual Security financially healthy?
A 8.98% net worth ratio and a 0.44% delinquency rate feed into Mutual Security's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mutual Security compare to other credit unions?
Mutual Security scores 85/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Mutual Security?
Membership eligibility for Mutual Security depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mutual Security directly for current membership requirements and application steps.
Is my money safe at Mutual Security?
Federal credit unions like Mutual Security 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. Mutual Security's net worth ratio of 8.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mutual Security offer compared to banks?
Credit unions like Mutual Security 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 Mutual Security 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.