Credit union · NCUA insured
UBI Federal Credit Union
A $143.4M credit union headquartered in Plainville, CT, with 11,241 members and 2 branches in Connecticut. Best rates: CDs 4.00% and savings 0.05% APY.
UBI Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#26 of 41 in Hartford, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UBI Federal Credit Union
- Headquarters
- 120 Woodford Ave, Plainville, CT 06062-2335
- NCUA charter
- 7244
Branches
2 branches in Connecticut
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Connecticut
2 branches
Hartford area · 1
- United Business & Industry FCUMain office120 Woodford Ave, Plainville, CT 06062Directions
Waterbury area · 1
- United Business & Industry FCU363 N Main St, Bristol, CT 06010Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.09% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio11.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.09%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of UBI Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.