Federal credit union · Hartford, Connecticut · NCUA charter #6628
Police Credit Union of Connecticut
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $44.8M
- Total assets
- 2,905
- Members
- 8.9%
- Net-worth ratio
Police Credit Union of Connecticut - Share Insurance Coverage
Charter #6628'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.
Police Credit Union of Connecticut - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)91
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth72
- Liquidity (loan-to-share)94
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.88% 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 | 8.88% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | 1.50% | 15% |
| Loan-to-Share Ratio | 65.74% | 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 | $44.8M | 2,905 |
| 2024Q4 | $41.1M | 2,862 |
| 2023Q4 | $39.3M | 2,838 |
Credit Union Details
- Charter Number
- 6628
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Hartford
- Data Quarter
- 2025Q4
What This Data Says About Police Credit Union of Connecticut
The five-factor composite scores Police Credit Union of Connecticut at 92/100 (Excellent), reflecting a net worth ratio of 8.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Hartford, Connecticut, reports 2,905 members, $44.8M in total assets, and $26.3M in outstanding loans as of Q4 2025 under charter #6628 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.41% 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 65.74% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.53% on net income of $237K 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 1.50%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M78Health
- SKYLINE FINANCIALWaterbury, CT · $10M–$50M76Health
- MEMBERSStamford, CT · $10M–$50M86Health
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M91Health
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
Compare Police Credit Union of Connecticut vs ENFIELD COMMUNITY
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 Police Credit Union of Connecticut financially healthy?
Police Credit Union of Connecticut scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.88% net worth ratio and a 0.41% delinquency rate.
How does Police Credit Union of Connecticut compare to other credit unions?
Five weighted metrics from NCUA filings produce Police Credit Union of Connecticut's 92/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Police Credit Union of Connecticut?
Police Credit Union of Connecticut carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Police Credit Union of Connecticut directly to confirm current membership steps.
Is my money safe at Police Credit Union of Connecticut?
Federal credit unions like Police Credit Union of Connecticut 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. Police Credit Union of Connecticut's net worth ratio of 8.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Police Credit Union of Connecticut offer compared to banks?
Credit unions like Police Credit Union of Connecticut 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 Police Credit Union of Connecticut 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.