Federal credit union · WATERBURY, Connecticut · NCUA charter #10865
Greater Waterbury Healthcare
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $9.4M
- Total assets
- 1,009
- Members
- 24.0%
- Net-worth ratio
Greater Waterbury Healthcare - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10865 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Greater Waterbury Healthcare - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)55
- Member growth23
- Liquidity (loan-to-share)57
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
24.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.03% | 30% |
| Delinquency Rate | 6.48% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | -3.07% | 15% |
| Loan-to-Share Ratio | 28.87% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.4M | 1,009 |
| 2024Q4 | $9.6M | 1,041 |
| 2023Q4 | $10.8M | 1,112 |
Credit Union Details
- Charter Number
- 10865
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Connecticut
- City
- WATERBURY
- Data Quarter
- 2025Q4
What This Data Says About Greater Waterbury Healthcare
The five-factor composite scores Greater Waterbury Healthcare at 50/100 (Fair), reflecting a net worth ratio of 24.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in WATERBURY, Connecticut, reports 1,009 members, $9.4M in total assets, and $2.0M in outstanding loans as of Q4 2025 under charter #10865 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: 6.48% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 28.87% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.08% on net income of $8K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.07%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
- NEW HAVEN FIREFIGHTERSNew Haven, CT · $2M–$10M72Health
- REGIONAL WATER AUTHORITY EMPLOYEESNew Haven, CT · $2M–$10M77Health
- THE NEW HAVEN POLICE AND MUNICIPALNew Haven, CT · $2M–$10M60Health
- SCIENCE PARKNEW HAVEN, CT · $2M–$10M61Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
Compare Greater Waterbury Healthcare vs NEW HAVEN FIREFIGHTERS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Greater Waterbury Healthcare financially healthy?
Greater Waterbury Healthcare scores 50/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.03% net worth ratio and a 6.48% delinquency rate.
How does Greater Waterbury Healthcare compare to other credit unions?
50/100 is Greater Waterbury Healthcare's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greater Waterbury Healthcare?
Greater Waterbury Healthcare operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Greater Waterbury Healthcare directly for the exact boundaries and application steps.
Is my money safe at Greater Waterbury Healthcare?
Federal credit unions like Greater Waterbury Healthcare are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greater Waterbury Healthcare's net worth ratio of 24.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Waterbury Healthcare offer compared to banks?
Credit unions like Greater Waterbury Healthcare are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greater Waterbury Healthcare directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.