Headquartered in New Haven, Connecticut, Unity Financial Credit Union is a federally insured state-chartered credit union with $63.9M in total assets and $55.7M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1950.
Based on its Q2 2026 filing, Unity Financial Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 29th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is earnings (26/100; 0.16%).
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.
6 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q1 2025 | 70 |
| Q2 2025 | 72 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 73 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q1 2025 | 12.99% |
| Q2 2025 | 13.30% |
| Q3 2025 | 13.52% |
| Q4 2025 | 12.96% |
| Q1 2026 | 12.84% |
| Q2 2026 | 13.15% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q1 2025 | 0.69% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q1 2025 | 0.13% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $63.9M | 13.15% | 0.35% | 0.16% | 80.8% |
| Q1 2026 | 75 | $65.4M | 12.84% | 0.27% | 0.30% | 77.4% |
| Q4 2025 | 73 | $64.5M | 12.96% | 0.21% | 0.09% | 83.0% |
| Q3 2025 | 73 | $62.7M | 13.52% | 0.39% | 0.14% | 86.1% |
| Q2 2025 | 72 | $63.9M | 13.30% | 0.46% | 0.11% | 82.2% |
| Q1 2025 | 70 | $65.6M | 12.99% | 0.69% | 0.13% | 79.9% |
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).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone Federal Credit UnionCredit union Fairfield, CT | 77 out of 100, Strong | $68.3M | 10.6% | 0.22% | vs |
| Franklin Trust Federal Credit UnionCredit union Hartford, CT | 67 out of 100, Moderate | $70.0M | 9.8% | 0.88% | vs |
| Pitney Bowes Employees Federal Credit UnionCredit union Shelton, CT | 76 out of 100, Strong | $57.3M | 20.3% | 1.20% | vs |
| Northwest Hills Credit UnionCredit union Torrington, CT | 75 out of 100, Strong | $57.0M | 9.3% | 0.26% | vs |
| Tobacco Valley Teachers Federal Credit UnionCredit union Enfield, CT | 62 out of 100, Moderate | $72.4M | 9.5% | 0.99% | vs |
| Albright Credit UnionCredit union Bethel, CT | 63 out of 100, Moderate | $73.9M | 11.9% | 2.15% | vs |
Deposit insurance
Is my money safe at Unity Financial Credit Union?
Yes. Unity Financial Credit Union is a federally insured credit union (NCUA charter #68745). 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 13.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Unity Financial Credit Union lists 5 offices in 3 cities across 2 states. Most locations:
- New Haven, CT (3)
- Bridgeport, CT (1)
- Frisco, TX (1)
Identity & history
Profile
- Legal name
- Unity Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68745
- RSSD ID
- 928784
- Primary regulator
- State + NCUA
- Established
- 1950
- Headquarters
- 20 York St, Rm 80CB, New Haven, CT 06510
- Employees
- 18
Quick answers
Unity Financial Credit Union: common questions
Is Unity Financial Credit Union NCUA insured?
Yes. Unity Financial Credit Union is a federally insured credit union (NCUA charter #68745). 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 Unity Financial 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 Unity Financial Credit Union have?
5 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near New Haven
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT | 91 out of 100, Very strong | $365.2M | 17.1% | 0.26% | 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 |