State credit union · Stamford, Connecticut · NCUA charter #66002
Stamford Healthcare
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $23.4M
- Total assets
- 2,175
- Members
- 1.2%
- Net-worth ratio
Stamford Healthcare - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66002: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Stamford Healthcare - 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)10
- Asset quality (delinquency)82
- Earnings (ROA)90
- Member growth18
- Liquidity (loan-to-share)52
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
1.16% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.16% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | -3.50% | 15% |
| Loan-to-Share Ratio | 19.45% | 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 | $23.4M | 2,175 |
| 2024Q4 | $23.9M | 2,254 |
| 2023Q4 | $24.4M | 2,520 |
Credit Union Details
- Charter Number
- 66002
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Stamford
- Data Quarter
- 2025Q4
What This Data Says About Stamford Healthcare
Charter #66002, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Stamford Healthcare, a state credit union in Stamford, Connecticut with 2,175 members, $23.4M in total assets, and $4.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 47/100 (Below Average), helped by a net worth ratio of 1.16% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.96% 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 19.45% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.40% on net income of $92K 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 -3.50%. 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.
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 Stamford Healthcare financially healthy?
A 1.16% net worth ratio and a 0.96% delinquency rate feed into Stamford Healthcare's financial health score of 47/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Stamford Healthcare compare to other credit unions?
47/100 is Stamford Healthcare'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 Stamford Healthcare?
Membership eligibility for Stamford Healthcare depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Stamford Healthcare directly for current membership requirements and application steps.
Is my money safe at Stamford Healthcare?
Federal credit unions like Stamford Healthcare 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. Stamford Healthcare's net worth ratio of 1.16% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Stamford Healthcare offer compared to banks?
Credit unions like Stamford Healthcare 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 Stamford Healthcare 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.