TellerScore

Hartford Federal Credit Union (NCUA charter #14388) is based in Hartford, Connecticut. Its Q2 2026 call report shows $159.6M in total assets and $137.0M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Hartford Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 28th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 2% uninsured), and its lowest is earnings (54/100; 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.02%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.34%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity100/100
Loans ÷ shares: 52.2% · 2.2% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.61%

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 (74 → 73).

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202471
Q1 202570
Q2 202574
Q3 202577
Q4 202571
Q1 202671
Q2 202673
Net worth ratio
7.00%10.26%13.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.22%
Q3 202412.69%
Q4 202412.71%
Q1 202512.37%
Q2 202512.91%
Q3 202513.52%
Q4 202513.10%
Q1 202613.02%
Q2 202613.02%
Delinquent loans (60+ days)
1.24%1.39%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.37%
Q3 20241.34%
Q4 20241.31%
Q1 20251.30%
Q2 20251.28%
Q3 20251.24%
Q4 20251.55%
Q1 20261.36%
Q2 20261.34%
Return on assets
0.66%0.85%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.74%
Q4 20240.73%
Q1 20250.66%
Q2 20251.00%
Q3 20251.04%
Q4 20250.91%
Q1 20260.71%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$159.6M13.02%1.34%0.86%52.2%
Q1 202671$156.4M13.02%1.36%0.71%52.5%
Q4 202571$153.4M13.10%1.55%0.91%54.4%
Q3 202577$147.6M13.52%1.24%1.04%55.7%
Q2 202574$151.4M12.91%1.28%1.00%52.9%
Q1 202570$154.0M12.37%1.30%0.66%51.3%
Q4 202471$147.8M12.71%1.31%0.73%53.8%
Q3 202471$146.6M12.69%1.34%0.74%52.0%
Q2 202469$149.8M12.22%1.37%0.68%49.8%

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 ratio13.02%
69th
Problem loans1.34%
18th
Net charge-offs0.11%
84th
Return on assets0.86%
58th
Loans to deposits52.2%
88th
Uninsured deposits2.2%
89th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Fd Community Federal Credit UnionCredit union Waterbury, CT68 out of 100, Moderate$162.7M11.1%0.89%vs
Achieve Financial Credit UnionCredit union Berlin, CT37 out of 100, Low$176.0M8.4%2.30%vs
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs
Ellafi Federal Credit UnionCredit union Middletown, CT57 out of 100, Moderate$178.1M7.3%0.33%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 Hartford Federal Credit Union?

Yes. Hartford Federal Credit Union is a federally insured credit union (NCUA charter #14388). 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 2.2% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.02%, well 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

Hartford Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hartford Federal Credit Union reported 123 home-loan applications under HMDA (LEI 2549009YMLXX9WQWPX05): 75 originated ($9,665,000 total), 31 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.2%, 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
Hartford Federal Credit Union
Type
Federal credit union
NCUA charter #
14388
RSSD ID
479688
Primary regulator
NCUA
Established
1961
Headquarters
964 Asylum Ave, Hartford, CT 06105
Employees
38

Quick answers

Hartford Federal Credit Union: common questions

Is Hartford Federal Credit Union NCUA insured?

Yes. Hartford Federal Credit Union is a federally insured credit union (NCUA charter #14388). 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 Hartford Federal Credit Union's TellerScore?

73 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 Hartford Federal Credit Union have?

4 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