BlastPoint's Credit Union Scorecard
WATERBURY CONNECTICUT TEACHERS
Charter #22 · CT
WATERBURY CONNECTICUT TEACHERS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + First Mortgage Concentration (%): Top 5.9% in tier
- + Net Worth Ratio: Top 7.5% in tier
- + Efficiency Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,061
+0.0% YoY-0.0% QoQ
|
+6.9K |
15,145
-2.5% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$360.9M
+3.8% YoY+1.9% QoQ
|
+$129.2M |
$231.7M
+0.8% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$239.4M
+2.3% YoY+0.0% QoQ
|
+$95.2M |
$144.1M
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
85% |
| Deposits |
$298.6M
+2.5% YoY+1.9% QoQ
|
+$97.5M |
$201.1M
+0.4% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
1.4%
-3.9% YoY-13.3% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Top 12.3% in tier |
| NIM |
3.4%
+1.1% YoY-2.2% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
59.8%
-4.2% YoY+2.8% QoQ
|
-18.3% |
78.0%
-1.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
0.3%
-18.5% YoY-23.5% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
80.2%
-0.3% YoY-1.9% QoQ
|
+9.7% |
70.4%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$24,386
+2.4% YoY+1.1% QoQ
|
$-532 |
$24,918
+2.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
42.9%
+2.0% YoY-2.2% QoQ
|
+18.6% | 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 (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)