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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 18.36% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
462
-0.2% YoY-0.6% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 12.7% in tier |
| Assets |
$5.8M
-3.9% YoY-0.5% QoQ
|
$-24.0M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$1.5M
-0.5% YoY+1.6% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.8% in tier |
| Deposits |
$5.1M
-4.7% YoY-0.7% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.0%
+100.0% YoY+12.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
1.9%
+16.3% YoY+2.4% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
99.8%
-0.1% YoY-0.0% QoQ
|
+18.4% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
0.3%
-1.5% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
29.7%
+4.5% YoY+2.3% QoQ
|
-31.5% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.9% in tier |
| AMR |
$14,221
-3.6% YoY+0.4% QoQ
|
$-406 |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration | 0.0% | -24.4% |
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 (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)