Credit Union Safety Analysis
Is Connect Credit Union Safe? Fort Lauderdale, Florida
Based on its Q2 2026 NCUA 5300 call report, Connect Credit Union has a net worth ratio of 12.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.71%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Connect Credit Union's net worth ratio is 12.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.71%
- Return on assets (Q2 2026): 0.86%
- Loan-to-share ratio (Q2 2026): 85.00%
Connect Credit Union (NCUA charter 67342) reported $103.2M in assets and 5,032 members for Q2 2026 from Fort Lauderdale, Florida. It ranks 71 of 106 credit unions in Florida by total assets. Total assets grew 4.9% from $98.3M on June 30, 2025. It has 254 fewer members than on June 30, 2025 (-4.8%). Its net worth ratio was up 0.03 percentage points from 12.95% on June 30, 2025. Used vehicle loans are its largest loan category, $29.9M of $75.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.80% for Q1 2026; 12.95% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.77% for Q1 2026; 0.40% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.81% for Q1 2026; 1.07% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 86.47% for Q1 2026; 83.21% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $29.9M
- New vehicle loans: $25.5M
- 1- to 4-family residential and other consumer real estate loans: $10.1M
- Other secured non-real estate loans and lines of credit: $5.6M
- Unsecured credit card loans: $2.3M
- Other unsecured loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $103.2M | 12.98% | 0.71% | 0.86% | 85.00% |
| March 31, 2026 | $102.9M | 12.80% | 0.77% | 0.81% | 86.47% |
| December 31, 2025 | $101.9M | 12.71% | 0.63% | 0.30% | 85.85% |
| September 30, 2025 | $97.5M | 13.27% | 0.45% | 0.83% | 89.22% |
| June 30, 2025 | $98.3M | 12.95% | 0.40% | 1.07% | 83.21% |
| March 31, 2025 | $100.4M | 12.42% | 0.93% | 1.47% | 82.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67342) · FFIEC NIC profile (RSSD 847492)
Frequently asked questions
Is Connect Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Connect Credit Union's net worth ratio is 12.98%, above the 7% NCUA threshold for well capitalized.
Is Connect Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Connect Credit Union is a federally insured credit union (NCUA charter 67342): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Connect Credit Union's key safety ratios?
For Q2 2026, Connect Credit Union reports net worth 12.98%, delinquency 0.71%, ROA 0.86%, loan-to-share 85.00%.
What happens to my money if Connect Credit Union fails?
For Q2 2026, Connect Credit Union held $88.7M in shares and deposits for 5,032 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.