TellerScore

Enfield Community Federal Credit Union (NCUA charter #1729) is based in Enfield, Connecticut. Its Q2 2026 call report shows $45.8M in total assets and $41.4M in member shares and deposits and 4 offices across 2 states.

Enfield Community Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 30th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 1% uninsured); capital cushion contributes the least (44/100, 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings59/100
Return on assets (annualized): 0.96%
Funding & liquidity100/100
Loans ÷ shares: 41.5% · 0.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.34%

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

From Q2 2025 to Q2 2026, the score rose 5 points (67 → 72), mostly because the capital cushion component improved by 12 points.

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202467
Q1 202568
Q2 202567
Q3 202572
Q4 202571
Q1 202670
Q2 202672
Net worth ratio
7.00%8.20%9.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.33%
Q3 20248.64%
Q4 20248.68%
Q1 20258.76%
Q2 20258.22%
Q3 20259.05%
Q4 20259.26%
Q1 20269.21%
Q2 20269.40%
Delinquent loans (60+ days)
0.16%0.31%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.25%
Q4 20240.46%
Q1 20250.26%
Q2 20250.32%
Q3 20250.16%
Q4 20250.23%
Q1 20260.31%
Q2 20260.28%
Return on assets
0.56%0.76%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.90%
Q4 20240.83%
Q1 20250.56%
Q2 20250.77%
Q3 20250.85%
Q4 20250.82%
Q1 20260.82%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$45.8M9.40%0.28%0.96%41.5%
Q1 202670$45.4M9.21%0.31%0.82%42.1%
Q4 202571$44.2M9.26%0.23%0.82%44.2%
Q3 202572$44.3M9.05%0.16%0.85%43.6%
Q2 202567$47.5M8.22%0.32%0.77%39.1%
Q1 202568$43.2M8.76%0.26%0.56%40.3%
Q4 202467$42.9M8.68%0.46%0.83%41.3%
Q3 202470$42.3M8.64%0.25%0.90%45.0%
Q2 202469$42.8M8.33%0.24%0.91%45.1%

2,479 peers · Under $100 million in assets

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 ratio9.40%
12th
Problem loans0.28%
69th
Net charge-offs0.65%
22nd
Return on assets0.96%
66th
Loans to deposits41.5%
76th
Uninsured deposits0.6%
58th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Police Credit Union of ConnecticutCredit union Hartford, CT69 out of 100, Moderate$45.4M10.7%1.47%vs
Members Credit UnionCredit union Stamford, CT67 out of 100, Moderate$44.2M12.1%0.78%vs
Skyline Financial Federal Credit UnionCredit union Waterbury, CT51 out of 100, Below average$48.3M7.0%0.81%vs
Manchester Municipal Federal Credit UnionCredit union Manchester, CT62 out of 100, Moderate$40.1M9.2%0.99%vs
Lawrence Memorial Hospital Employee Federal Credit UnionCredit union New London, CT100 out of 100, Very strong$37.7M23.4%0.00%vs
New Haven County Credit UnionCredit union North Haven, CT63 out of 100, Moderate$35.0M10.5%1.92%vs

Deposit insurance

Is my money safe at Enfield Community Federal Credit Union?

Yes. Enfield Community Federal Credit Union is a federally insured credit union (NCUA charter #1729). 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 0.6% of shares and deposits ($235K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Enfield Community Federal Credit Union lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Enfield Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1729
RSSD ID
132572
Primary regulator
NCUA
Established
1936
Headquarters
11 Cranbrook Blvd, Enfield, CT 06082
Employees
8

Quick answers

Enfield Community Federal Credit Union: common questions

Is Enfield Community Federal Credit Union NCUA insured?

Yes. Enfield Community Federal Credit Union is a federally insured credit union (NCUA charter #1729). 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 Enfield Community Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 Enfield Community Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Enfield

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs