State credit union · North Haven, Connecticut · NCUA charter #65809
New Haven County
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $33.4M
- Total assets
- 3,235
- Members
- 7.3%
- Net-worth ratio
New Haven County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65809. See our deposit-insurance coverage note.
New Haven County - 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)78
- Asset quality (delinquency)78
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)75
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.35% | 30% |
| Delinquency Rate | 1.06% | 25% |
| Return on Assets | 1.28% | 15% |
| Member Growth | 0.75% | 15% |
| Loan-to-Share Ratio | 53.50% | 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 | $33.4M | 3,235 |
| 2024Q4 | $28.0M | 3,211 |
| 2023Q4 | $26.9M | 3,093 |
Credit Union Details
- Charter Number
- 65809
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- North Haven
- Data Quarter
- 2025Q4
What This Data Says About New Haven County
3,235 members and $33.4M in total assets sit behind New Haven County, a state credit union in North Haven, Connecticut, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $16.0M in outstanding loans as of Q4 2025 and a net worth ratio of 7.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #65809 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 53.50% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.06% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.28% on net income of $429K 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 0.75%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 New Haven County financially healthy?
A 7.35% net worth ratio and a 1.06% delinquency rate feed into New Haven County's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does New Haven County compare to other credit unions?
New Haven County scores 79/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 New Haven County?
Membership eligibility for New Haven County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact New Haven County directly for current membership requirements and application steps.
Is my money safe at New Haven County?
Federal credit unions like New Haven County 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. New Haven County's net worth ratio of 7.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Haven County offer compared to banks?
Credit unions like New Haven County 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 New Haven County 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.