WATERBURY POSTAL EMPLOYEES
Charter #3337 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
WATERBURY POSTAL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.71% above tier average
- - Member decline: -2.2% YoY
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.0% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
968
-2.2% YoY-0.5% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$11.0M
-7.8% YoY-1.1% QoQ
|
$-18.9M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
34th in tier |
| Loans |
$2.4M
-3.1% YoY-0.3% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.1% in tier |
| Deposits |
$8.5M
-11.3% YoY-2.3% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
3.9%
-104.4% YoY-240.1% QoQ
|
+3.2% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Top 1.3% in tier |
| NIM |
3.6%
+16.1% YoY
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
39th in tier |
| Efficiency Ratio |
13.6%
-77.1% YoY-99.5% QoQ
|
-67.8% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate |
4.2%
-23.2% YoY-24.2% QoQ
|
+2.7 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.7% in tier |
| Loan To Share |
28.5%
+9.2% YoY+2.0% QoQ
|
-32.8% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.7% in tier |
| AMR |
$11,217
-7.5% YoY-1.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
35th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
6
Efficiency Ratio
profitability
Value:
13.58%
Peer Avg: 81.39%
#6 of 2596
Top 0.2% in <100M tier
35
Return on Assets (ROA)
profitability
Value:
3.85%
Peer Avg: 0.68%
#35 of 2596
Top 1.3% in <100M tier
366
Net Worth Ratio
risk
Value:
23.05%
Peer Avg: 16.43%
#366 of 2596
Top 14.1% in <100M tier
Top Weaknesses (8 metrics)
2444
Deposit Growth Rate
growth
Value:
-11.29%
Peer Avg: 16.80%
#2444 of 2596
Bottom 5.9% in <100M tier
2397
Total Delinquency Rate (60+ days)
risk
Value:
4.22%
Peer Avg: 1.51%
#2397 of 2596
Bottom 7.7% in <100M tier
2389
Asset Growth Rate
growth
Value:
-7.75%
Peer Avg: 1.82%
#2389 of 2596
Bottom 8.0% in <100M tier
2366
Loan-to-Share Ratio
balance_sheet
Value:
28.48%
Peer Avg: 61.23%
#2366 of 2596
Bottom 8.9% in <100M tier
2298
AMR Growth Rate
growth
Value:
-7.54%
Peer Avg: 4.67%
#2298 of 2596
Bottom 11.5% in <100M tier
2181
Fee Income Per Member
profitability
Value:
$6.52
Peer Avg: $182.96
#2181 of 2596
Bottom 16.0% in <100M tier
2133
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,486
Peer Avg: $5,488
#2133 of 2596
Bottom 17.9% in <100M tier
2073
Total Loans
balance_sheet
Value:
$2.41M
Peer Avg: $15.77M
#2073 of 2596
Bottom 20.2% in <100M tier