TellerScore

Headquartered in East Hartford, Connecticut, Finex Credit Union is a federally insured state-chartered credit union with $134.0M in total assets and $117.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1938.

Based on its Q2 2026 filing, Finex Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 48th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is capital cushion (39/100; 8.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.93%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity78/100
Loans ÷ shares: 81.9% · 10.8% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.07%

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 20 points (41 → 61), mostly because the loan quality component improved by 44 points.

TellerScore
344861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202435
Q3 202434
Q4 202439
Q1 202542
Q2 202541
Q3 202536
Q4 202540
Q1 202651
Q2 202661
Net worth ratio
7.00%8.21%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.74%
Q3 20249.12%
Q4 20249.43%
Q1 20259.08%
Q2 20259.01%
Q3 20258.91%
Q4 20258.68%
Q1 20268.61%
Q2 20268.93%
Delinquent loans (60+ days)
0.73%1.57%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.24%
Q3 20242.41%
Q4 20242.19%
Q1 20252.00%
Q2 20252.05%
Q3 20252.27%
Q4 20251.73%
Q1 20261.31%
Q2 20260.73%
Return on assets
-0.81%-0.02%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.71%
Q3 2024-0.75%
Q4 2024-0.34%
Q1 2025-0.21%
Q2 2025-0.20%
Q3 2025-0.69%
Q4 2025-0.81%
Q1 20260.32%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$134.0M8.93%0.73%0.76%81.9%
Q1 202651$134.2M8.61%1.31%0.32%81.0%
Q4 202540$133.2M8.68%1.73%-0.81%83.2%
Q3 202536$134.1M8.91%2.27%-0.69%81.3%
Q2 202541$138.8M9.01%2.05%-0.20%80.8%
Q1 202542$144.5M9.08%2.00%-0.21%79.9%
Q4 202439$141.1M9.43%2.19%-0.34%87.5%
Q3 202434$142.5M9.12%2.41%-0.75%88.7%
Q2 202435$151.7M8.74%2.24%-0.71%84.0%

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 ratio8.93%
13th
Problem loans0.73%
47th
Net charge-offs0.74%
18th
Return on assets0.76%
52nd
Loans to deposits81.9%
35th
Uninsured deposits10.8%
14th
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs
Sound Federal Credit UnionCredit union Norwalk, CT53 out of 100, Below average$115.5M7.6%1.43%vs
Hartford Federal Credit UnionCredit union Hartford, CT73 out of 100, Strong$159.6M13.0%1.34%vs
Membersfirst Ct Federal Credit UnionCredit union Meriden, CT79 out of 100, Strong$107.2M12.0%0.32%vs
America'S First Network Credit UnionCredit union East Hartford, CT61 out of 100, Moderate$105.5M10.9%1.21%vs
Fd Community Federal Credit UnionCredit union Waterbury, CT68 out of 100, Moderate$162.7M11.1%0.89%vs

Deposit insurance

Is my money safe at Finex Credit Union?

Yes. Finex Credit Union is a federally insured credit union (NCUA charter #68662). 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 10.8% of shares and deposits ($12.7M) 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 8.93%, slightly 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

Finex Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Finex Credit Union reported 148 home-loan applications under HMDA (LEI 549300DRZGISDSL1BX02): 81 originated ($14,775,000 total), 35 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Finex Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68662
RSSD ID
687278
Primary regulator
State + NCUA
Established
1938
Headquarters
PO Box 280167, East Hartford, CT 06128
Employees
37

Quick answers

Finex Credit Union: common questions

Is Finex Credit Union NCUA insured?

Yes. Finex Credit Union is a federally insured credit union (NCUA charter #68662). 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 Finex Credit Union's TellerScore?

61 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 Finex Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near East 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