State credit union · New Haven, Connecticut · NCUA charter #66044
Regional Water Authority Employees
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $5.7M
- Total assets
- 461
- Members
- 10.7%
- Net-worth ratio
Regional Water Authority Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66044. See our deposit-insurance coverage note.
Regional Water Authority Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)31
- Member growth57
- Liquidity (loan-to-share)59
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.70% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -0.22% | 15% |
| Loan-to-Share Ratio | 31.20% | 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 | $5.7M | 461 |
| 2024Q4 | $6.1M | 462 |
| 2023Q4 | $6.6M | 466 |
Credit Union Details
- Charter Number
- 66044
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Connecticut
- City
- New Haven
- Data Quarter
- 2025Q4
What This Data Says About Regional Water Authority Employees
Regional Water Authority Employees is a state credit union headquartered in New Haven, Connecticut, serving 461 members with $5.7M in total assets and $1.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 10.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66044 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.36% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 31.20% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $134 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 -0.22%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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
- THE NEW HAVEN POLICE AND MUNICIPALNew Haven, CT · $2M–$10M60Health
- SCIENCE PARKNEW HAVEN, CT · $2M–$10M61Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
- TRUMBULLTrumbull, CT · $2M–$10M84Health
Compare Regional Water Authority Employees 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 Regional Water Authority Employees financially healthy?
Regional Water Authority Employees has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.70% and delinquency rate of 0.36%.
How does Regional Water Authority Employees compare to other credit unions?
77/100 is Regional Water Authority Employees'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 Regional Water Authority Employees?
Membership eligibility for Regional Water Authority Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Regional Water Authority Employees directly for current membership requirements and application steps.
Is my money safe at Regional Water Authority Employees?
Federal credit unions like Regional Water Authority Employees 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. Regional Water Authority Employees's net worth ratio of 10.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Regional Water Authority Employees offer compared to banks?
Credit unions like Regional Water Authority Employees 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 Regional Water Authority Employees 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.