BlastPoint's Credit Union Scorecard
WATERBURY CONNECTICUT TEACHERS
Charter #22 · CT
WATERBURY CONNECTICUT TEACHERS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
- + First Mortgage Concentration (%): Top 5.1% in tier
- + Efficiency Ratio: Top 5.5% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 84.3% in tier
- - Share Certificate Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,072
+0.2% YoY-0.1% QoQ
|
+6.6K |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$354.2M
+5.4% YoY+0.9% QoQ
|
+$122.3M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$239.4M
+0.4% YoY+0.5% QoQ
|
+$92.0M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$292.9M
+4.2% YoY+0.6% QoQ
|
+$92.1M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.7%
+12.2% YoY+0.4% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 6.9% in tier |
| NIM |
3.4%
-1.3% YoY+0.7% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
58.1%
-2.7% YoY+0.8% QoQ
|
-18.9% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.3%
-6.8% YoY+48.8% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
81.7%
-3.7% YoY-0.1% QoQ
|
+9.5% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$24,116
+2.3% YoY+0.7% QoQ
|
$-560 |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
43.9%
+2.9% YoY-0.6% QoQ
|
+19.4% | 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 (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)