Federal credit union · WATERBURY, Connecticut · NCUA charter #3337
Waterbury Postal Employees
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $10.9M
- Total assets
- 958
- Members
- 21.9%
- Net-worth ratio
Waterbury Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3337 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Waterbury Postal Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)50
- Member growth24
- 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.
At 21.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.92% | 30% |
| Delinquency Rate | 6.89% | 25% |
| Return on Assets | 0.07% | 15% |
| Member Growth | -3.04% | 15% |
| Loan-to-Share Ratio | 28.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.9M | 958 |
| 2024Q4 | $11.6M | 988 |
| 2023Q4 | $12.3M | 1,002 |
Credit Union Details
- Charter Number
- 3337
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- WATERBURY
- Data Quarter
- 2025Q4
What This Data Says About Waterbury Postal Employees
958 members and $10.9M in total assets sit behind Waterbury Postal Employees, a federal credit union in WATERBURY, Connecticut, which posts a health score of 50/100 (Fair) on the five-factor composite, with $2.4M in outstanding loans as of Q4 2025 and a net worth ratio of 21.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #3337 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 6.89% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 28.17% 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 0.07% on net income of $7K 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 -3.04%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) 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
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
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 Waterbury Postal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Waterbury Postal Employees carries a financial health score of 50/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.92% net worth ratio and a 6.89% delinquency rate.
How does Waterbury Postal Employees compare to other credit unions?
50/100 is Waterbury Postal Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Waterbury Postal Employees?
Waterbury Postal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Waterbury Postal Employees directly to confirm current membership steps.
Is my money safe at Waterbury Postal Employees?
Federal credit unions like Waterbury Postal 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. Waterbury Postal Employees's net worth ratio of 21.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Waterbury Postal Employees offer compared to banks?
Credit unions like Waterbury Postal 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 Waterbury Postal 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.