FD COMMUNITY
Charter #42 · Waterbury, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.85% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.15% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $159.86M | 35th pct | 33th pct |
| Members | 13,506 | 51th pct | 61th pct |
| Net worth ratio | 11.11% | 45th pct | 49th pct |
| Return on average assets | 0.61% | 42th pct | 48th pct |
| Net interest margin | 3.85% | 64th pct | 75th pct |
| Cost of funds | 0.95% | 36th pct | 41th pct |
| Loan-to-share | 68.48% | 43th pct | 57th pct |
| Delinquency 60+ days | 1.15% | 82th pct | 85th pct |
| Net charge-off ratio | 0.20% | 31th pct | 38th pct |
| Loan growth YoY | 12.51% | 99th pct | 97th pct |
| Share growth YoY | 4.30% | 62th pct | 51th pct |
| Efficiency ratio | 81.29% | 60th pct | 46th pct |
structural peer set hash: e1c61eaf138b69e29fdeffd50d657d01… (reproducible)
Closest structural peers
This is the free public view
Claim FD COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.