TellerScore

Connecticut State Employees Credit Union is a federally insured state-chartered credit union headquartered in Hartford, Connecticut, in business for about 80 years. At the end of Q2 2026 it reported $2.7B in total assets and $2.5B in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, Connecticut State Employees Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 64 credit unions headquartered in Connecticut, it ranks 33rd. Its strongest component is funding & liquidity (100/100; 17% loans-to-deposits, 10% uninsured), and its lowest is capital cushion (37/100; 8.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.66%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity100/100
Loans ÷ shares: 17.1% · 10.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
666869Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202466
Q1 202568
Q2 202568
Q3 202568
Q4 202567
Q1 202669
Q2 202669
Net worth ratio
7.00%7.84%8.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.55%
Q3 20248.67%
Q4 20248.55%
Q1 20258.50%
Q2 20258.52%
Q3 20258.63%
Q4 20258.56%
Q1 20268.51%
Q2 20268.66%
Delinquent loans (60+ days)
0.04%0.13%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.12%
Q4 20240.08%
Q1 20250.04%
Q2 20250.08%
Q3 20250.13%
Q4 20250.17%
Q1 20260.10%
Q2 20260.21%
Return on assets
0.29%0.49%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.35%
Q4 20240.31%
Q1 20250.43%
Q2 20250.48%
Q3 20250.53%
Q4 20250.50%
Q1 20260.62%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$2.7B8.66%0.21%0.69%17.1%
Q1 202669$2.7B8.51%0.10%0.62%16.9%
Q4 202567$2.6B8.56%0.17%0.50%17.7%
Q3 202568$2.6B8.63%0.13%0.53%18.3%
Q2 202568$2.6B8.52%0.08%0.48%18.6%
Q1 202568$2.5B8.50%0.04%0.43%19.0%
Q4 202466$2.5B8.55%0.08%0.31%19.8%
Q3 202467$2.4B8.67%0.12%0.35%20.2%
Q2 202467$2.4B8.55%0.05%0.29%19.9%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.66%
7th
Problem loans0.21%
94th
Net charge-offs0.03%
98th
Return on assets0.69%
37th
Loans to deposits17.1%
100th
Uninsured deposits10.4%
38th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
99th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
American Eagle Financial Credit UnionCredit union East Hartford, CT66 out of 100, Moderate$2.8B9.9%0.57%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
Connex Credit UnionCredit union North Haven, CT59 out of 100, Moderate$1.1B9.4%0.56%vs

Deposit insurance

Is my money safe at Connecticut State Employees Credit Union?

Yes. Connecticut State Employees Credit Union is a federally insured credit union (NCUA charter #65728). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.4% of shares and deposits ($256.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.66%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Connecticut State Employees Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Connecticut State Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65728
RSSD ID
728199
Primary regulator
State + NCUA
Established
1946
Headquarters
84 Wadsworth St, Hartford, CT 06106
Employees
74

Quick answers

Connecticut State Employees Credit Union: common questions

Is Connecticut State Employees Credit Union NCUA insured?

Yes. Connecticut State Employees Credit Union is a federally insured credit union (NCUA charter #65728). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Connecticut State Employees Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Connecticut State Employees Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hartford

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs