Credit Union Safety Analysis
Is Connection Credit Union Safe? Silverdale, Washington
Based on its Q2 2026 NCUA 5300 call report, Connection Credit Union has a net worth ratio of 13.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, 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, Connection Credit Union's net worth ratio is 13.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 0.25%
- Loan-to-share ratio (Q2 2026): 60.84%
Connection Credit Union (NCUA charter 68254, established 1958) reported $40.4M in assets and 3,321 members for Q2 2026 from Silverdale, Washington. It ranks 61 of 73 credit unions in Washington by total assets. Total assets grew 2.0% from $39.6M on June 30, 2025. It has 65 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.12 percentage points from 12.89% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.3M of $21.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.21% for Q1 2026; 12.89% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.87% for Q1 2026; 1.90% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.59% for Q1 2026; -0.30% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 67.41% for Q1 2026; 74.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.3M
- Used vehicle loans: $4.9M
- Other secured non-real estate loans and lines of credit: $2.7M
- Unsecured credit card loans: $906K
- New vehicle loans: $851K
- Other unsecured loans and lines of credit: $583K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $40.4M | 13.01% | 0.93% | 0.25% | 60.84% |
| March 31, 2026 | $39.6M | 13.21% | 1.87% | 0.59% | 67.41% |
| December 31, 2025 | $38.2M | 13.52% | 1.74% | 0.54% | 73.68% |
| September 30, 2025 | $38.4M | 13.43% | 1.86% | 0.58% | 74.37% |
| June 30, 2025 | $39.6M | 12.89% | 1.90% | -0.30% | 74.27% |
| March 31, 2025 | $40.3M | 12.73% | 1.53% | 0.68% | 75.06% |
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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.
Connection Credit Union profile
Regulator records: NCUA credit union profile (charter 68254) · FFIEC NIC profile (RSSD 2394)
Frequently asked questions
Is Connection Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Connection Credit Union's net worth ratio is 13.01%, above the 7% NCUA threshold for well capitalized.
Is Connection Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Connection Credit Union is a federally insured credit union (NCUA charter 68254): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Connection Credit Union's key safety ratios?
For Q2 2026, Connection Credit Union reports net worth 13.01%, delinquency 0.93%, ROA 0.25%, loan-to-share 60.84%.
What happens to my money if Connection Credit Union fails?
For Q2 2026, Connection Credit Union held $34.9M in shares and deposits for 3,321 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.