TellerScore

First Baptist Church (Stratford) Federal Credit Union is a federal credit union headquartered in Stratford, Connecticut, in business for about 52 years. At the end of Q2 2026 it reported $321K in total assets and $294K in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, First Baptist Church (Stratford) Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 35th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (35/100; 8.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.49%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ shares: 15.4% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (65 → 69), mostly because the capital cushion component improved by 11 points.

TellerScore
385469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202467
Q4 202467
Q1 202565
Q2 202565
Q3 202555
Q4 202546
Q1 202638
Q2 202669
Net worth ratio
7.00%7.75%8.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.85%
Q3 20248.02%
Q4 20247.20%
Q1 20257.46%
Q2 20257.44%
Q3 20257.57%
Q4 20257.65%
Q1 20267.88%
Q2 20268.49%
Delinquent loans (60+ days)
0.00%40.29%80.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.79%
Q3 20240.63%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.98%
Q4 20251.97%
Q1 202680.58%
Q2 20260.00%
Return on assets
0.19%0.73%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.20%
Q4 20240.76%
Q1 20250.48%
Q2 20250.48%
Q3 20250.24%
Q4 20250.19%
Q1 20261.28%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$321K8.49%0.00%0.56%15.4%
Q1 202638$340K7.88%80.58%1.28%16.3%
Q4 202546$344K7.65%1.97%0.19%17.4%
Q3 202555$345K7.57%0.98%0.24%19.5%
Q2 202565$355K7.44%0.00%0.48%20.1%
Q1 202565$348K7.46%0.00%0.48%24.6%
Q4 202467$355K7.20%0.00%0.76%14.4%
Q3 202467$321K8.02%0.63%1.20%11.3%
Q2 202465$314K7.85%0.79%1.17%9.2%

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 ratio8.49%
6th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.56%
45th
Loans to deposits15.4%
97th
Uninsured deposits0.0%
81st
Loan-loss reserves1.61%
88th
Texas ratio0.0%
93rd

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Meriden Postal Employees Federal Credit UnionCredit union Meriden, CT53 out of 100, Below average$343K20.9%27.72%vs
East End Baptist Tabernacle Federal Credit UnionCredit union Bridgeport, CT82 out of 100, Strong$140K14.8%0.00%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Trumbull Credit UnionCredit union Trumbull, CT77 out of 100, Strong$3.1M13.7%0.51%vs
Bridgeport Post Office Federal Credit UnionCredit union Bridgeport, CT55 out of 100, Moderate$3.4M29.9%3.21%vs
Science Park Federal Credit UnionCredit union New Haven, CT54 out of 100, Below average$3.7M20.7%3.08%vs

Deposit insurance

Is my money safe at First Baptist Church (Stratford) Federal Credit Union?

Yes. First Baptist Church (Stratford) Federal Credit Union is a federally insured credit union (NCUA charter #21614). 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 0.0% of shares and deposits ($0) 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 8.49%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

First Baptist Church (Stratford) Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Baptist Church (Stratford) Federal Credit Union
Type
Federal credit union
NCUA charter #
21614
RSSD ID
186986
Primary regulator
NCUA
Established
1974
Headquarters
40 Johnson Ct, Stratford, CT 06615

Quick answers

First Baptist Church (Stratford) Federal Credit Union: common questions

Is First Baptist Church (Stratford) Federal Credit Union NCUA insured?

Yes. First Baptist Church (Stratford) Federal Credit Union is a federally insured credit union (NCUA charter #21614). 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 First Baptist Church (Stratford) Federal 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 First Baptist Church (Stratford) Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Stratford

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%vs
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
East End Baptist Tabernacle Federal Credit UnionCredit union Bridgeport, CT82 out of 100, Strong$140K14.8%0.00%vs