Credit union · NCUA insured
Unity Financial Credit Union
A $65.4M credit union headquartered in New Haven, CT, with 8,186 members and 4 branches in Connecticut. Best rates: CDs 1.00% and savings 0.55% APY.
Unity Financial Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#18 of 31 in New Haven, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Unity Financial Credit Union
- Headquarters
- 20 York St, Rm 80CB, New Haven, CT 06510
- NCUA charter
- 68745
Branches
4 branches in Connecticut
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Connecticut
4 branches
New Haven area · 3
- Main OfficeMain office20 York St, Rm 80CB, New Haven, CT 06510Directions
- Chapel Street1423 Chapel St Fl 1, New Haven, CT 06511Directions
- Long Wharf1 Long Wharf Dr, Ste 101, New Haven, CT 06511Directions
Bridgeport area · 1
- Bridgeport Office267 Grant St, Perry 5, Bridgeport, CT 06610Directions
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 | 13.15% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.35% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio13.15%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.35%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Unity Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.