BlastPoint's Credit Union Scorecard
GREATER WATERBURY HEALTHCARE
Charter #10865 · CT
GREATER WATERBURY HEALTHCARE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Charge-Off Rate: Top 7.0% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.37% above tier (higher cost structure)
- - Delinquency rate 1.26% above tier average
- - Member decline: -3.4% YoY
- - Loan-to-Share Ratio: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
999
-3.4% YoY-1.0% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$9.4M
-2.1% YoY+0.5% QoQ
|
$-20.8M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$1.9M
+2.5% YoY-5.4% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$6.9M
-3.4% YoY+0.3% QoQ
|
$-18.9M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.0%
-369.1% YoY+357.5% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
3.8%
+10.5% YoY+0.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
92.0%
-6.3% YoY-0.6% QoQ
|
+1.4% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
2.8%
-19.0% YoY-57.3% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
27.2%
+6.0% YoY-5.7% QoQ
|
-31.3% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.0% in tier |
| AMR |
$8,764
+1.3% YoY-0.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
15.6%
+32.0% YoY+8.1% QoQ
|
-8.7% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)