GREATER WATERBURY HEALTHCARE
Charter #10865 · WATERBURY, CT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 26.66% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.16% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 52nd — a 45-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GREATER WATERBURY HEALTHCARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.41M | 97th pct | 52th pct |
| Members | 999 | 82th pct | 48th pct |
| Net worth ratio | 26.66% | 79th pct | 82th pct |
| Return on average assets | 0.98% | 72th pct | 59th pct |
| Net interest margin | 3.76% | 41th pct | 44th pct |
| Cost of funds | 0.48% | 48th pct | 38th pct |
| Loan-to-share | 27.23% | 16th pct | 13th pct |
| Delinquency 60+ days | 2.77% | 75th pct | 69th pct |
| Net charge-off ratio | -0.16% | 11th pct | 16th pct |
| Loan growth YoY | 2.36% | 82th pct | 87th pct |
| Share growth YoY | 1.68% | 62th pct | 51th pct |
| Efficiency ratio | 92.00% | 59th pct | 72th pct |
structural peer set hash: 150cf27baf36bd57eb0aa4c8b5e895c2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.