BlastPoint's Credit Union Scorecard
GREATER WATERBURY HEALTHCARE
Charter #10865 · CT
GREATER WATERBURY HEALTHCARE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.7% in tier
- + Net Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Delinquency rate 4.17% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -3.9% year over year ($6.7M in shares and deposits).
- Membership: 995 members, -2.3% vs a year ago.
- Delinquency rate 5.72%.
- Return on assets 0.71%.
- Efficiency ratio 85.93% vs a 88.77% peer average.
- Loan-to-share ratio 27.52% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
995
-2.3% YoY-0.4% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$9.3M
-2.6% YoY-1.7% QoQ
|
$-21.0M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$1.8M
-2.7% YoY-1.4% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$6.7M
-3.9% YoY-2.4% QoQ
|
$-19.1M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.7%
+171.1% YoY-27.3% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.8%
+7.1% YoY+1.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
85.9%
-10.4% YoY-6.6% QoQ
|
-2.8% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
5.7%
-7.9% YoY+106.8% QoQ
|
+4.2 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
27.5%
+1.3% YoY+1.1% QoQ
|
-31.4% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.0% in tier |
| AMR |
$8,606
-1.4% YoY-1.8% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
16.4%
+21.0% YoY+5.5% QoQ
|
-8.1% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 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)