BlastPoint's Credit Union Scorecard
GREATER WATERBURY HEALTHCARE
Charter #10865 · CT
GREATER WATERBURY HEALTHCARE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 10.00% above tier (higher cost structure)
- - Delinquency rate 4.92% above tier average
- - Member decline: -3.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,009
-3.1% YoY+0.1% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$9.4M
-2.0% YoY+1.0% QoQ
|
$-20.8M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$2.0M
-0.6% YoY+8.3% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$6.9M
-3.0% YoY+1.4% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.2%
+164.0% YoY+10.5% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.7%
+11.7% YoY+1.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
92.6%
-2.5% YoY-1.0% QoQ
|
+10.0% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
6.5%
+92.1% YoY+19.8% QoQ
|
+4.9 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
28.9%
+2.5% YoY+6.7% QoQ
|
-31.7% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.3% in tier |
| AMR |
$8,767
+0.6% YoY+2.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
14.4%
+28.0% YoY-0.9% QoQ
|
-10.0% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)