BlastPoint's Credit Union Scorecard

WATERBURY CONNECTICUT TEACHERS

Charter #22 · CT

1077 CUs in 100M-500M nationally 16 in CT

WATERBURY CONNECTICUT TEACHERS has 10 strengths but faces 2 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

+ Organic Growth Engine: Top 10.0% in tier
+ Profitability Leader: Top 28.6% in tier
+ Organic Growth Leader: Top 29.8% in tier
+ Credit Quality Leader: Top 49.0% in tier
+ ROA 0.87% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 1.1% in tier
+ First Mortgage Concentration (%): Top 5.6% in tier
+ Efficiency Ratio: Top 5.7% in tier
+ Net Worth Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 88.7% in tier
- Share Certificate Concentration (%): Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	22,102 +0.8% YoY-0.1% QoQ	+6.5K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	81%
Assets	$351.0M +6.5% YoY-1.4% QoQ	+$119.7M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	82%
Loans	$238.2M -2.1% YoY+1.4% QoQ	+$90.4M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	84%
Deposits	$291.3M +5.8% YoY-2.3% QoQ	+$91.0M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	80%

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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	1.7% +9.4% YoY+2.0% QoQ	+0.9%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	Top 8.0% in tier
NIM	3.4% -2.3% YoY+1.4% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	38%
Efficiency Ratio	57.7% -2.6% YoY-2.6% QoQ	-19.6%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	Bottom 5.7% in tier
Delinquency Rate	0.2% -6.2% YoY+0.7% QoQ	-0.6	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	Bottom 13.2% in tier
Loan To Share	81.8% -7.4% YoY+3.8% QoQ	+9.1%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	68%
AMR	$23,956 +1.3% YoY-0.6% QoQ	$-408	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	60%
CD Concentration	44.1% +5.5% YoY+5.5% QoQ	+19.7%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#184 of 603 • Top 10.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.77%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.66%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Profitability Leader

growth

#98 of 340 • Top 28.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.66%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Leader

growth

#394 of 430 • Top 29.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.77%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Credit Quality Leader

growth

#167 of 340 • Top 49.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (1)

Liquidity Overhang

risk

#119 of 134 • Bottom 88.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.48%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 81.76%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 669.758

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.59%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.68%

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.66%

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.48%

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

140

Net Charge-Off Rate

risk

Value: 0.08%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

143

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#143 of 1077 Top 13.2% in 100M-500M tier

175

Total Loans

balance_sheet

Value: $238.17M

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

192

Total Assets

balance_sheet

Value: $350.96M

Peer Avg: -

#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1040

Share Certificate Concentration (%)

balance_sheet

Value: 44.12%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

956

Fee Income Per Member

profitability

Value: $89.28

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier