TellerScore

Headquartered in Waterbury, Connecticut, Fd Community Federal Credit Union is a federal credit union with $162.7M in total assets and $143.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Fd Community Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 36th. Its strongest component is problem-loan coverage (90/100; 5.2%), and its lowest is earnings (48/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.12%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity89/100
Loans ÷ shares: 71.6% · 9.6% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.22%

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 fell 2 points (70 → 68), mostly because the funding & liquidity component weakened by 10 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202463
Q4 202468
Q1 202565
Q2 202570
Q3 202568
Q4 202565
Q1 202665
Q2 202668
Net worth ratio
7.00%9.13%11.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.70%
Q3 202410.95%
Q4 202411.05%
Q1 202510.65%
Q2 202510.86%
Q3 202511.18%
Q4 202511.27%
Q1 202611.11%
Q2 202611.12%
Delinquent loans (60+ days)
0.89%1.38%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20241.87%
Q4 20241.35%
Q1 20251.15%
Q2 20250.92%
Q3 20251.13%
Q4 20251.38%
Q1 20261.15%
Q2 20260.89%
Return on assets
0.59%0.87%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.05%
Q4 20241.04%
Q1 20250.59%
Q2 20250.84%
Q3 20250.77%
Q4 20250.79%
Q1 20260.60%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$162.7M11.12%0.89%0.70%71.6%
Q1 202665$159.9M11.11%1.15%0.60%68.5%
Q4 202565$156.1M11.27%1.38%0.79%66.9%
Q3 202568$153.4M11.18%1.13%0.77%63.5%
Q2 202570$156.4M10.86%0.92%0.84%60.8%
Q1 202565$155.4M10.65%1.15%0.59%58.3%
Q4 202468$147.7M11.05%1.35%1.04%61.8%
Q3 202463$145.5M10.95%1.87%1.05%63.7%
Q2 202468$146.3M10.70%1.26%1.14%63.5%

1,341 peers · $100 million – $1 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 ratio11.12%
46th
Problem loans0.89%
36th
Net charge-offs0.23%
66th
Return on assets0.70%
47th
Loans to deposits71.6%
58th
Uninsured deposits9.6%
19th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Hartford Federal Credit UnionCredit union Hartford, CT73 out of 100, Strong$159.6M13.0%1.34%vs
Achieve Financial Credit UnionCredit union Berlin, CT37 out of 100, Low$176.0M8.4%2.30%vs
Ellafi Federal Credit UnionCredit union Middletown, CT57 out of 100, Moderate$178.1M7.3%0.33%vs
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs
Finex Credit UnionCredit union East Hartford, CT61 out of 100, Moderate$134.0M8.9%0.73%vs
Sound Federal Credit UnionCredit union Norwalk, CT53 out of 100, Below average$115.5M7.6%1.43%vs

Deposit insurance

Is my money safe at Fd Community Federal Credit Union?

Yes. Fd Community Federal Credit Union is a federally insured credit union (NCUA charter #42). 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 9.6% of shares and deposits ($13.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Fd Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fd Community Federal Credit Union
Type
Federal credit union
NCUA charter #
42
RSSD ID
870276
Primary regulator
NCUA
Established
1934
Headquarters
601 Watertown Ave, Waterbury, CT 06708
Employees
31

Quick answers

Fd Community Federal Credit Union: common questions

Is Fd Community Federal Credit Union NCUA insured?

Yes. Fd Community Federal Credit Union is a federally insured credit union (NCUA charter #42). 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 Fd Community Federal Credit Union's TellerScore?

68 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 Fd Community Federal Credit Union have?

2 offices as of the latest NCUA data.