Federal credit union · WATERBURY, Connecticut · NCUA charter #3337
Waterbury Postal Employees
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $10.9M
- Total assets
- 958
- Members
- 22.8%
- Net-worth ratio
Waterbury Postal Employees scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.9M; members 958; net-worth ratio 22.77%; health rank #4,267 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,267 of 4,374 health · 2025Q4Waterbury Postal Employees · health 50/100 · $10.9M · 2025Q4
Call Report peers
Waterbury Postal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Waterbury Postal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Waterbury Postal Employees 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
Waterbury Postal Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +7.91 pp (22.77% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 28.17% here, 59.80% peer average (-31.63 pp).
Waterbury Postal Employees: in-state Call Report ranks
- Health composite ranks #63 of 64 among scored Connecticut credit unions.
- Connecticut assets place: #52 of 64.
- Member book place in Connecticut: #54 of 64.
- One place up in Connecticut, Greater Waterbury Healthcare (#62) ties at 50/100; one place down, Norwalk Hospital (#64) scores 47/100, 3 points lower.
Waterbury Postal Employees: 2025Q4 → 2026Q1
Waterbury Postal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $10.9M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.46 pp (22.31% → 22.77%).
At 22.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 50/100 score is built
Waterbury Postal Employees 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 7.5 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for Waterbury Postal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.77% | +7.91 pp |
| Delinquency Rate | 6.89% | +5.74 pp |
| Return on Assets | 0.07% | -0.64 pp |
| Member Growth | -3.04% | - |
| Loan-to-Share Ratio | 28.17% | -31.63 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Waterbury Postal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.7M | - |
| 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
Branch Locations (2)
Waterbury Postal Employees operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WATERBURY POSTAL EMPLOYEES FCU (Main Office) | WATERBURY, CT |
| fedcomp,inc. | FAIRFAX, VA |
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
Similar total assets
Similar health score
Using this data
- Waterbury Postal Employees ranks #4,267 of 4,374 nationally on financial health and #63 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASA
Frequently Asked Questions
Is Waterbury Postal Employees financially healthy?
Waterbury Postal Employees has a financial health score of 50/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,267 of 4,374 nationally on health and #63 of 64 in Connecticut. Its net worth ratio is 22.77% and its delinquency rate 6.89%.
How does Waterbury Postal Employees compare to other credit unions?
Waterbury Postal Employees scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (22.77% vs 14.86%). Its widest shortfall is loan-to-share ratio (28.17% vs 59.80%).
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?
Waterbury Postal Employees 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 Postal Employees's net worth ratio of 22.77% 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.