Mutual Security Credit Union is a federally insured state-chartered credit union headquartered in Shelton, Connecticut, in business for about 44 years. At the end of Q2 2026 it reported $385.4M in total assets and $341.0M in member shares and deposits, with 11 offices.
Based on its Q2 2026 filing, Mutual Security Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 51st. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is earnings (32/100; 0.30%).
TellerScore · Q2 2026
Scorecard
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 (60 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 58 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.79% |
| Q3 2024 | 8.94% |
| Q4 2024 | 9.01% |
| Q1 2025 | 9.09% |
| Q2 2025 | 9.00% |
| Q3 2025 | 9.08% |
| Q4 2025 | 9.14% |
| Q1 2026 | 8.86% |
| Q2 2026 | 8.69% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $385.4M | 8.69% | 0.37% | 0.30% | 90.4% |
| Q1 2026 | 59 | $379.1M | 8.86% | 0.44% | 0.27% | 92.4% |
| Q4 2025 | 59 | $362.5M | 9.14% | 0.44% | 0.38% | 96.2% |
| Q3 2025 | 58 | $358.8M | 9.08% | 0.44% | 0.31% | 99.9% |
| Q2 2025 | 60 | $361.8M | 9.00% | 0.38% | 0.40% | 97.9% |
| Q1 2025 | 60 | $355.9M | 9.09% | 0.43% | 0.41% | 98.6% |
| Q4 2024 | 60 | $355.0M | 9.01% | 0.28% | 0.36% | 99.5% |
| Q3 2024 | 59 | $353.8M | 8.94% | 0.34% | 0.34% | 100.3% |
| Q2 2024 | 57 | $357.3M | 8.79% | 0.50% | 0.39% | 99.9% |
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).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT | 91 out of 100, Very strong | $365.2M | 17.1% | 0.26% | vs |
| 360 Federal Credit UnionCredit union Windsor Locks, CT | 65 out of 100, Moderate | $324.4M | 9.5% | 0.68% | vs |
| General Electric Employees Federal Credit UnionCredit union Milford, CT | 56 out of 100, Moderate | $283.2M | 9.9% | 1.57% | vs |
| Dutch Point Credit UnionCredit union Wethersfield, CT | 77 out of 100, Strong | $565.4M | 10.6% | 0.12% | vs |
| Ellafi Federal Credit UnionCredit union Middletown, CT | 57 out of 100, Moderate | $178.1M | 7.3% | 0.33% | vs |
| Achieve Financial Credit UnionCredit union Berlin, CT | 37 out of 100, Low | $176.0M | 8.4% | 2.30% | vs |
Deposit insurance
Is my money safe at Mutual Security Credit Union?
Yes. Mutual Security Credit Union is a federally insured credit union (NCUA charter #68479). 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 7.7% of shares and deposits ($26.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.69%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Mutual Security Credit Union lists 11 offices in 8 cities. Most locations:
- Shelton, CT (3)
- Danbury, CT (2)
- Bridgeport, CT (1)
- Norwalk, CT (1)
- Ridgefield, CT (1)
- Wallingford, CT (1)
- Watertown, CT (1)
- Wilton, CT (1)
HMDA 2025
Mortgage lending
In 2025, Mutual Security Credit Union reported 110 home-loan applications under HMDA (LEI 549300T7RPUYDIE5FH39): 79 originated ($23,805,000 total), 3 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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
- Mutual Security Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68479
- RSSD ID
- 603296
- Primary regulator
- State + NCUA
- Established
- 1982
- Headquarters
- 1000 Bridgeport Ave Ste 503, Shelton, CT 06484
- Employees
- 73
Quick answers
Mutual Security Credit Union: common questions
Is Mutual Security Credit Union NCUA insured?
Yes. Mutual Security Credit Union is a federally insured credit union (NCUA charter #68479). 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 Mutual Security Credit Union's TellerScore?
59 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 Mutual Security Credit Union have?
11 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Shelton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT | 91 out of 100, Very strong | $365.2M | 17.1% | 0.26% | vs |
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| New Haven Teachers Federal Credit UnionCredit union New Haven, CT | 90 out of 100, Very strong | $10.2M | 32.0% | 0.13% | vs |
| New Haven Firefighters Credit UnionCredit union New Haven, CT | 89 out of 100, Very strong | $5.9M | 26.3% | 0.00% | vs |
| Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT | 86 out of 100, Very strong | $29.6M | 18.7% | 1.65% | vs |
| Sikorsky Financial Credit UnionCredit union Stratford, CT | 84 out of 100, Strong | $1.5B | 12.9% | 0.25% | vs |