Waterbury Connecticut Teachers
Waterbury, CT · Charter 22 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA · 2 branches
Q2 2026
$365.2MAssets
$244.6MLoans
$300.7MShares
$62.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 1 of 15).
- Widest gap: net interest margin trails 60% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 9 of 15).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.62%
Rank 2 of 15
Net Interest Margin
3.38%
Rank 9 of 15
Efficiency Ratio
58.91%
Rank 1 of 15
Equity / Assets
17.06%
Rank 4 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.27% | 0.70% | 1.49% | Beats 87% | 2 / 15 | | |
| Return on Equity | 9.49% | 1.31% | 7.41% | 10.88% | Beats 67% | 5 / 15 | | |
| Net Interest Margin | 3.38% | 3.12% | 3.54% | 4.54% | Beats 40% | 9 / 15 | | |
| Efficiency Ratio | 58.91% | 72.95% | 80.00% | 90.09% | Beats 100% | 1 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.37% | 0.80% | 1.65% | Beats 87% | 3 / 15 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.06% | 8.68% | 11.88% | 17.06% | Beats 73% | 4 / 15 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.06% | 8.68% | 11.88% | 17.06% | Beats 73% | 4 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.34% | 19.00% | 41.54% | 81.34% | 73rd pctl | 4 / 15 | | |
| Loans / Assets | 66.97% | 17.30% | 35.64% | 66.97% | 73rd pctl | 4 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |