BlastPoint's Credit Union Scorecard
REGIONAL WATER AUTHORITY EMPLOYEES
Charter #66044 · CT
REGIONAL WATER AUTHORITY EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 10.98% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -3.7% year over year ($4.9M in shares and deposits).
- Membership: 457 members, -1.7% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.01%.
- Efficiency ratio 99.75% vs a 88.77% peer average.
- Loan-to-share ratio 27.14% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
457
-1.7% YoY-1.9% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 12.4% in tier |
| Assets |
$5.7M
-3.0% YoY-0.9% QoQ
|
$-24.6M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$1.3M
-10.1% YoY-9.2% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.7% in tier |
| Deposits |
$4.9M
-3.7% YoY-1.2% QoQ
|
$-20.9M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA | 0.0% | -1.5% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.3% in tier |
| NIM |
2.0%
+12.8% YoY+1.5% QoQ
|
-1.9% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
99.7%
-0.0% YoY+0.1% QoQ
|
+11.0% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
27.1%
-6.6% YoY-8.1% QoQ
|
-31.7% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.8% in tier |
| AMR |
$13,665
-3.5% YoY-1.1% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)