BlastPoint's Credit Union Scorecard
REGIONAL WATER AUTHORITY EMPLOYEES
Charter #66044 · CT
REGIONAL WATER AUTHORITY EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 17.19% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
461
-0.2% YoY-0.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$5.7M
-5.6% YoY-1.7% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$1.5M
-0.9% YoY+2.9% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 15.0% in tier |
| Deposits |
$5.0M
-6.8% YoY-2.0% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.0%
+112.4% YoY+2.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
1.9%
+12.9% YoY+1.9% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
99.8%
-0.1% YoY-0.0% QoQ
|
+17.2% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
0.4%
+33.6% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
31.2%
+6.3% YoY+5.0% QoQ
|
-29.4% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.0% in tier |
| AMR |
$14,123
-5.2% YoY-0.7% QoQ
|
$-659 |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration | 0.0% | -24.4% | 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 (0)
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)