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Waterbury Connecticut Teachers

Waterbury, CT · Charter 22

NCUA · 2 branches

Q2 2026

$365.2MAssets
$244.6MLoans
$300.7MShares
$62.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.62%, up 1 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.26% of loans (+3 bps YoY).
  • Capital: net worth / assets of 17.06%, up 119 bps from a year ago.
  • Funding: loans stand at 81.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.62%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.38%+6 bps YoY

Efficiency Ratio (quarter, annualized)

58.92%-33 bps YoY

Net Worth / Assets

17.06%+119 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.67%1.66%1.44%1.62%+1 bps
Return on Equity10.12%10.13%9.89%8.59%9.49%-63 bps
Net Interest Margin3.32%3.43%3.41%3.36%3.38%+6 bps
Efficiency Ratio59.25%57.68%58.12%59.77%58.92%-33 bps
Growth
Asset Growth (YoY)5.69%6.48%5.42%3.84%2.56%-314 bps
Loan Growth (YoY)-4.19%-2.07%0.40%2.26%4.08%+828 bps
Share Growth (YoY)4.93%5.75%4.24%2.52%0.83%-410 bps
Asset Quality
Delinquent Loans / Loans0.22%0.23%0.34%0.26%0.26%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.88%16.49%16.76%16.81%17.06%+119 bps
Net Worth / Assets15.88%16.49%16.76%16.81%17.06%+119 bps
Liquidity & Funding
Loans / Shares78.80%81.76%81.72%80.16%81.34%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps