GREATER WATERBURY HEALTHCARE
Charter #10865 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
GREATER WATERBURY HEALTHCARE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.7% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 12.14% above tier (higher cost structure)
- - Delinquency rate 3.90% above tier average
- - Member decline: -4.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,008
-4.2% YoY-1.0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$9.3M
-4.4% YoY-2.4% QoQ
|
$-20.6M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
31st in tier |
| Loans |
$1.8M
-10.2% YoY-3.6% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.6% in tier |
| Deposits |
$6.8M
-6.1% YoY-3.2% QoQ
|
$-18.7M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
29th in tier |
| ROA |
0.2%
-655.0% YoY-26.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 23.6% in tier |
| NIM |
3.7%
+13.4% YoY+3.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
93.5%
+0.0% YoY-2.4% QoQ
|
+12.1% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 18.2% in tier |
| Delinquency Rate |
5.4%
+132.5% YoY-12.9% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.4% in tier |
| Loan To Share |
27.0%
-4.4% YoY-0.4% QoQ
|
-34.2% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.6% in tier |
| AMR |
$8,530
-2.9% YoY-2.3% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.9% in tier |
| CD Concentration |
14.6%
+34.9% YoY+7.1% QoQ
|
-9.8% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
97
Net Charge-Off Rate
risk
Value:
-0.13%
Peer Avg: 0.57%
#97 of 2596
Top 3.7% in <100M tier
224
Net Worth Ratio
risk
Value:
26.75%
Peer Avg: 16.43%
#224 of 2596
Top 8.6% in <100M tier
376
Members Per Employee (MPE)
engagement
Value:
504.000
Peer Avg: 365.701
#376 of 2596
Top 14.4% in <100M tier
Top Weaknesses (11 metrics)
2456
Total Delinquency Rate (60+ days)
risk
Value:
5.41%
Peer Avg: 1.51%
#2456 of 2596
Bottom 5.4% in <100M tier
2395
Loan-to-Share Ratio
balance_sheet
Value:
27.05%
Peer Avg: 61.23%
#2395 of 2596
Bottom 7.8% in <100M tier
2310
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,816
Peer Avg: $5,488
#2310 of 2596
Bottom 11.1% in <100M tier
2225
Deposit Growth Rate
growth
Value:
-6.07%
Peer Avg: 16.80%
#2225 of 2596
Bottom 14.3% in <100M tier
2184
Asset Growth Rate
growth
Value:
-4.45%
Peer Avg: 1.82%
#2184 of 2596
Bottom 15.9% in <100M tier
2165
Total Loans
balance_sheet
Value:
$1.83M
Peer Avg: $15.77M
#2165 of 2596
Bottom 16.6% in <100M tier
2125
Efficiency Ratio
profitability
Value:
93.54%
Peer Avg: 81.39%
#2125 of 2596
Bottom 18.2% in <100M tier
2055
Loan Growth Rate
growth
Value:
-10.19%
Peer Avg: 59.01%
#2055 of 2596
Bottom 20.9% in <100M tier
2033
Member Growth Rate
growth
Value:
-4.18%
Peer Avg: 14.92%
#2033 of 2596
Bottom 21.7% in <100M tier
2028
Average Member Relationship (AMR)
engagement
Value:
$8,530
Peer Avg: $14,627
#2028 of 2596
Bottom 21.9% in <100M tier