Greater Waterbury Healthcare

WATERBURY, CT · 1 · Charter #10865 · www.gwhfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.4M
40th percentile
Members
1,009
37th percentile
Total loans
$2.0M
23th percentile
Total shares
$6.9M
37th percentile

Profitability

Return on assets
0.30%
27th percentile
Net interest margin
3.72%
40th percentile
Efficiency ratio
85.00%
17th percentile
Non-interest income ratio
7.83%
44th percentile

Capital & Risk

Net worth ratio
26.54%
88th percentile
Delinquency rate
6.48%
5th percentile
Net charge-off rate
0.05%
67th percentile
Loan-to-share
28.87%
11th percentile

Growth

Member growth YoY
-3.07%
32th percentile
Asset growth YoY
-2.03%
30th percentile
Loan growth YoY
-0.57%
60th percentile
Share growth YoY
-3.00%
29th percentile

Operations

Members / branch
336
15th percentile
Assets / member
$9,282
51th percentile
Field of membership penetration
36.04%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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