BlastPoint's Credit Union Scorecard

WATERBURY CONNECTICUT TEACHERS

Charter #22 · CT

100M-500M

1024 CUs in 100M-500M nationally 13 in CT

WATERBURY CONNECTICUT TEACHERS has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.76% above tier average
+ Members Per Employee (MPE): Top 1.1% in tier
+ First Mortgage Concentration (%): Top 7.1% in tier
+ Efficiency Ratio: Top 7.3% in tier
+ Net Worth Ratio: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 6.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
Shares and deposits +0.8% year over year ($301M in shares and deposits).
Membership: 21,965 members, -0.7% vs a year ago.
Delinquency rate 0.26%.
Return on assets 1.63%.
Efficiency ratio 58.92% vs a 76.73% peer average.
Loan-to-share ratio 81.34% vs a 71.54% 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	21,965 -0.7% YoY-0.4% QoQ	+6.8K	15,168 -2.6% YoY	14,203 +5.8% YoY	34,678 +6.6% YoY	83%
Assets	$365.2M +2.6% YoY+1.2% QoQ	+$133.2M	$232.0M +0.7% YoY	$248.5M +12.0% YoY	$593.1M +10.2% YoY	84%
Loans	$244.6M +4.1% YoY+2.2% QoQ	+$98.3M	$146.3M +0.2% YoY	$139.3M +11.4% YoY	$418.6M +10.1% YoY	Top 14.3% in tier
Deposits	$300.7M +0.8% YoY+0.7% QoQ	+$100.0M	$200.7M +0.2% YoY	$217.7M +11.5% YoY	$504.8M +10.3% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +0.1% YoY+12.8% QoQ	+0.8%	0.9% +12.5% YoY	1.1% +193.3% YoY	1.2% +121.4% YoY	Top 9.7% in tier
NIM	3.4% +1.3% YoY+1.4% QoQ	-0.3%	3.7% +4.5% YoY	3.6% -1.0% YoY	3.8% +2.3% YoY	32%
Efficiency Ratio	58.9% -0.6% YoY-1.4% QoQ	-17.8%	76.7% -0.8% YoY	90.9% -27.8% YoY	83.0% -5.3% YoY	Top 7.3% in tier
Delinquency Rate	0.3% +15.1% YoY+0.4% QoQ	-0.6	0.9% +6.6% YoY	1.4% +21.8% YoY	1.3% +2.6% YoY	15%
Loan To Share	81.3% +3.2% YoY+1.5% QoQ	+9.8%	71.5% -0.3% YoY	53.6% -1.6% YoY	66.4% -1.4% YoY	67%
AMR	$24,824 +3.0% YoY+1.8% QoQ	$-283	$25,107 +3.2% YoY	$17,514 +4.9% YoY	$20,028 -0.9% YoY	60%
CD Concentration	42.2% +1.0% YoY-1.5% QoQ	+17.7%	24.6%	14.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Overhang

risk

#114 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.05%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 81.34%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Credit Risk Growth

risk

#418 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.08%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#617 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#517 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.67%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#538 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.67%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.08%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.26%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 686.406

Peer Median: 310.924

#12 of 1024 Top 1.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.41%

Peer Median: 29.92%

#74 of 1024 Top 7.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.92%

Peer Median: 77.26%

#76 of 1024 Top 7.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.05%

Peer Median: 11.71%

#90 of 1024 Top 8.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.63%

Peer Median: 0.75%

#99 of 1024 Top 9.6% in 100M-500M tier

146

Total Loans

balance_sheet

Value: $244.58M

Peer Median: $124.04M

#146 of 1024 Top 14.2% in 100M-500M tier

158

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: 0.71%

#158 of 1024 Top 15.3% in 100M-500M tier

164

Total Assets

balance_sheet

Value: $365.20M

Peer Median: $196.38M

#164 of 1024 Top 15.9% in 100M-500M tier

177

Total Members

engagement

Value: 21,965

Peer Median: 13,128

#177 of 1024 Top 17.2% in 100M-500M tier

Top Weaknesses (1 metrics)

963

Share Certificate Concentration (%)

balance_sheet

Value: 42.23%

Peer Median: 23.39%

#963 of 1024 Bottom 6.1% in 100M-500M tier