TellerScore

United Business & Industry Federal Credit Union is a federal credit union headquartered in Plainville, Connecticut, in business for about 75 years. At the end of Q2 2026 it reported $141.4M in total assets and $124.3M in member shares and deposits, with 2 offices.

United Business & Industry Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 17th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (65/100, 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.57%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity68/100
Loans ÷ shares: 92.3% · 11.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.62%

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 3 points (74 → 77), mostly because the capital cushion component improved by 7 points.

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202572
Q2 202574
Q3 202575
Q4 202575
Q1 202677
Q2 202677
Net worth ratio
7.00%9.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.40%
Q3 202410.61%
Q4 202410.68%
Q1 202510.73%
Q2 202510.88%
Q3 202511.15%
Q4 202511.23%
Q1 202611.40%
Q2 202611.57%
Delinquent loans (60+ days)
0.09%0.30%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.38%
Q4 20240.43%
Q1 20250.36%
Q2 20250.17%
Q3 20250.17%
Q4 20250.11%
Q1 20260.10%
Q2 20260.09%
Return on assets
1.05%1.13%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.13%
Q4 20241.05%
Q1 20251.14%
Q2 20251.18%
Q3 20251.17%
Q4 20251.13%
Q1 20261.21%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$141.4M11.57%0.09%1.13%92.3%
Q1 202677$143.4M11.40%0.10%1.21%91.5%
Q4 202575$140.2M11.23%0.11%1.13%95.3%
Q3 202575$134.2M11.15%0.17%1.17%98.7%
Q2 202574$137.1M10.88%0.17%1.18%94.1%
Q1 202572$136.1M10.73%0.36%1.14%91.1%
Q4 202471$133.4M10.68%0.43%1.05%91.1%
Q3 202471$130.3M10.61%0.38%1.13%93.2%
Q2 202470$129.0M10.40%0.50%1.13%91.1%

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 ratio11.57%
52nd
Problem loans0.09%
96th
Net charge-offs0.55%
31st
Return on assets1.13%
73rd
Loans to deposits92.3%
12th
Uninsured deposits11.7%
12th
Loan-loss reserves0.00%
50th
Texas ratio0.6%
93rd

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Finex Credit UnionCredit union East Hartford, CT61 out of 100, Moderate$134.0M8.9%0.73%vs
Hartford Federal Credit UnionCredit union Hartford, CT73 out of 100, Strong$159.6M13.0%1.34%vs
Fd Community Federal Credit UnionCredit union Waterbury, CT68 out of 100, Moderate$162.7M11.1%0.89%vs
Sound Federal Credit UnionCredit union Norwalk, CT53 out of 100, Below average$115.5M7.6%1.43%vs
Membersfirst Ct Federal Credit UnionCredit union Meriden, CT79 out of 100, Strong$107.2M12.0%0.32%vs
Achieve Financial Credit UnionCredit union Berlin, CT37 out of 100, Low$176.0M8.4%2.30%vs

Deposit insurance

Is my money safe at United Business & Industry Federal Credit Union?

Yes. United Business & Industry Federal Credit Union is a federally insured credit union (NCUA charter #7244). 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 11.7% of shares and deposits ($14.6M) 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 11.57%, 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

United Business & Industry Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Business & Industry Federal Credit Union
Type
Federal credit union
NCUA charter #
7244
RSSD ID
605281
Primary regulator
NCUA
Established
1951
Headquarters
120 Woodford Ave, Plainville, CT 06062
Employees
28

Quick answers

United Business & Industry Federal Credit Union: common questions

Is United Business & Industry Federal Credit Union NCUA insured?

Yes. United Business & Industry Federal Credit Union is a federally insured credit union (NCUA charter #7244). 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 United Business & Industry Federal Credit Union's TellerScore?

77 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 United Business & Industry Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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