WATERBURY POSTAL EMPLOYEES
Charter #3337 · WATERBURY, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 889 sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 6.11% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.36% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 31st — a 28-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 | WATERBURY POSTAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.74M | 3th pct | 31th pct |
| Members | 889 | 3th pct | 25th pct |
| Net worth ratio | 22.77% | 91th pct | 67th pct |
| Return on average assets | 0.53% | 43th pct | 43th pct |
| Net interest margin | 3.72% | 44th pct | 61th pct |
| Cost of funds | 0.49% | 32th pct | 39th pct |
| Loan-to-share | 27.66% | 7th pct | 28th pct |
| Delinquency 60+ days | 6.11% | 99th pct | 97th pct |
| Net charge-off ratio | -0.36% | 3th pct | 10th pct |
| Loan growth YoY | -4.73% | 32th pct | 57th pct |
| Share growth YoY | -1.90% | 13th pct | 23th pct |
| Efficiency ratio | 56.15% | 7th pct | 11th pct |
structural peer set hash: 1cb8ab63feb91e9b310d6faf3dfe04ca… (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.