Federal credit union · WATERBURY, Connecticut · NCUA charter #10865
Greater Waterbury Healthcare
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $9.4M
- Total assets
- 1,009
- Members
- 26.7%
- Net-worth ratio
Greater Waterbury Healthcare scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.4M; members 1,009; net-worth ratio 26.66%; health rank #4,266 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,266 of 4,374 health · 2025Q4Greater Waterbury Healthcare · health 50/100 · $9.4M · 2025Q4
Call Report peers
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Greater Waterbury Healthcare vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Greater Waterbury Healthcare sits in 50-54 with 82 others.
50 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Greater Waterbury Healthcare: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 26.66% here, 19.06% peer average (+7.60 pp).
- Largest lag: Loan-to-Share Ratio at 28.87% vs peer 63.60% (-34.73 pp).
Where Greater Waterbury Healthcare sits in Connecticut
- Health composite ranks #62 of 64 among scored Connecticut credit unions.
- By total assets, Greater Waterbury Healthcare is #54 of 64 in Connecticut.
- Connecticut membership ordinal: #53 of 64.
- One place up in Connecticut, Meriden Postal Employees (#61) scores 51/100, 1 point higher; one place down, Waterbury Postal Employees (#63) ties at 50/100.
Greater Waterbury Healthcare: 2025Q4 → 2026Q1
Greater Waterbury Healthcare: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $9.4M (2025Q4) to $9.4M (2026Q1).
- Net-worth ratio shifted +0.12 pp (26.54% → 26.66%).
26.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 50/100 score is built
Greater Waterbury Healthcare gives up 50 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 8.3 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 8.2 pts
Greater Waterbury Healthcare vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.66% | +7.60 pp |
| Delinquency Rate | 6.48% | +4.67 pp |
| Return on Assets | 0.08% | -0.37 pp |
| Member Growth | -3.07% | - |
| Loan-to-Share Ratio | 28.87% | -34.73 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Greater Waterbury Healthcare filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.4M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Greater Waterbury Healthcare runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Greater Waterbury healthcare FCU (Main Office) | Waterbury, CT |
| FD Community Federal Credit Union | Watertown, CT |
| Iron Mountain | Watertown, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Greater Waterbury Healthcare nationwide neighbourhoods
Similar health score
Using this data
- Greater Waterbury Healthcare ranks #4,266 of 4,374 nationally on financial health and #62 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Haven Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Haven Firefighters
Frequently Asked Questions
Is Greater Waterbury Healthcare financially healthy?
On its 2025Q4 NCUA 5300 filing, Greater Waterbury Healthcare scores 50/100 (Fair), with a 26.66% net worth ratio and 6.48% of loans delinquent. It ranks #4,266 of 4,374 nationally on health and #62 of 64 in Connecticut.
How does Greater Waterbury Healthcare compare to other credit unions?
Greater Waterbury Healthcare scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (26.66% vs 19.06%). Its widest shortfall is loan-to-share ratio (28.87% vs 63.60%).
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?
Greater Waterbury Healthcare is a federal credit union; its shares are federally 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 26.66% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.