WATERBURY CONNECTICUT TEACHERS
Charter #22 · WATERBURY, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.80% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.46% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.39% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.85% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | WATERBURY CONNECTICUT TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $360.90M | 84th pct | 57th pct |
| Members | 22,061 | 83th pct | 66th pct |
| Net worth ratio | 16.80% | 93th pct | 93th pct |
| Return on average assets | 1.46% | 88th pct | 89th pct |
| Net interest margin | 3.39% | 34th pct | 13th pct |
| Cost of funds | 1.85% | 82th pct | 79th pct |
| Loan-to-share | 80.16% | 69th pct | 64th pct |
| Delinquency 60+ days | 0.26% | 18th pct | 8th pct |
| Net charge-off ratio | 0.11% | 20th pct | 7th pct |
| Loan growth YoY | 0.50% | 52th pct | 54th pct |
| Share growth YoY | 2.51% | 35th pct | 30th pct |
| Efficiency ratio | 59.77% | 9th pct | 2th pct |
structural peer set hash: 26cb93c62630014face07478fce6ea87… (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.