State credit union · Meriden, Connecticut · NCUA charter #60048
State Police Credit Union Inc.
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $81.4M
- Total assets
- 2,808
- Members
- 13.7%
- Net-worth ratio
State Police Credit Union Inc. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60048, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
State Police Credit Union Inc. - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)88
- Member growth44
- Liquidity (loan-to-share)58
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.71% 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 | 13.71% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | -1.37% | 15% |
| Loan-to-Share Ratio | 30.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $81.4M | 2,808 |
| 2024Q4 | $77.6M | 2,847 |
| 2023Q4 | $78.7M | 2,872 |
Credit Union Details
- Charter Number
- 60048
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Meriden
- Data Quarter
- 2025Q4
What This Data Says About State Police Credit Union Inc.
2,808 members and $81.4M in total assets sit behind State Police Credit Union Inc., a state credit union in Meriden, Connecticut, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $20.6M in outstanding loans as of Q4 2025 and a net worth ratio of 13.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60048 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.07% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 30.16% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.38% on net income of $310K 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 -1.37%. 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
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 State Police Credit Union Inc. financially healthy?
A 13.71% net worth ratio and a 0.07% delinquency rate feed into State Police Credit Union Inc.'s financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does State Police Credit Union Inc. compare to other credit unions?
83/100 is State Police Credit Union Inc.'s score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 State Police Credit Union Inc.?
Membership eligibility for State Police Credit Union Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact State Police Credit Union Inc. directly for current membership requirements and application steps.
Is my money safe at State Police Credit Union Inc.?
Federal credit unions like State Police Credit Union Inc. 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. State Police Credit Union Inc.'s net worth ratio of 13.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does State Police Credit Union Inc. offer compared to banks?
Credit unions like State Police Credit Union Inc. 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 State Police Credit Union Inc. 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.