Federal credit union · WATERBURY, Connecticut · NCUA charter #22
Waterbury Connecticut Teachers
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $354.2M
- Total assets
- 22,072
- Members
- 16.8%
- Net-worth ratio
Waterbury Connecticut Teachers scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $354.2M; members 22,072; net-worth ratio 16.80%; health rank #459 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#459 of 4,374 health · 2025Q4Waterbury Connecticut Teach… · health 94/100 · $354.2M · 2025Q4
Call Report peers
Waterbury Connecticut Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Waterbury Connecticut Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Waterbury Connecticut Teachers sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for Waterbury Connecticut Teachers
- Largest favorable gap: Loan-to-Share Ratio at 81.72% vs peer 72.20% (+9.52 pp).
Waterbury Connecticut Teachers in Connecticut
- Connecticut health ordinal: #5 of 64.
- Assets rank #10 of 64 inside Connecticut ($354.2M reported).
- Member book place in Connecticut: #10 of 64.
- One place up in Connecticut, Police Credit Union of Connecticut (#4) scores 95/100, 1 point higher; one place down, United Business & Industry (#6) ties at 94/100.
How Waterbury Connecticut Teachers's 5300 filing moved
Waterbury Connecticut Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $354.2M (2025Q4) to $360.9M (2026Q1).
- Net-worth ratio shifted +0.05 pp (16.75% → 16.80%).
At 16.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Waterbury Connecticut Teachers gives up 6 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Waterbury Connecticut Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.80% | +4.69 pp |
| Delinquency Rate | 0.34% | -0.56 pp |
| Return on Assets | 1.39% | +0.77 pp |
| Member Growth | 0.18% | - |
| Loan-to-Share Ratio | 81.72% | +9.52 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Waterbury Connecticut Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $360.9M | - |
| 2025Q4 | $354.2M | 22,072 |
| 2024Q4 | $336.0M | 22,033 |
| 2023Q4 | $318.4M | 21,455 |
Credit Union Details
- Charter Number
- 22
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- WATERBURY
- Data Quarter
- 2025Q4
Branch Locations (2)
Waterbury Connecticut Teachers operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Middlebury - Main (Main Office) | Middlebury, CT |
| Danbury Branch | Danbury, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Waterbury Connecticut Teachers ranks #459 of 4,374 nationally on financial health and #5 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mutual Security is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mutual Security
Frequently Asked Questions
Is Waterbury Connecticut Teachers financially healthy?
Waterbury Connecticut Teachers has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #459 of 4,374 nationally on health and #5 of 64 in Connecticut. Its net worth ratio is 16.80% and its delinquency rate 0.34%.
How does Waterbury Connecticut Teachers compare to other credit unions?
Waterbury Connecticut Teachers scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.72% vs 72.20%).
How can I join Waterbury Connecticut Teachers?
Waterbury Connecticut Teachers 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 Waterbury Connecticut Teachers directly for the exact boundaries and application steps.
Is my money safe at Waterbury Connecticut Teachers?
Waterbury Connecticut Teachers 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. Waterbury Connecticut Teachers's net worth ratio of 16.80% 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.