Waterbury Postal Employees

WATERBURY, CT · 1 · Charter #3337 · www.waterburypostalfcu.org/
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
$10.9M
44th percentile
Members
958
35th percentile
Total loans
$2.4M
26th percentile
Total shares
$8.5M
43th percentile

Profitability

Return on assets
1.59%
82th percentile
Net interest margin
2.59%
10th percentile
Efficiency ratio
25.01%
98th percentile
Non-interest income ratio
1.11%
15th percentile

Capital & Risk

Net worth ratio
22.43%
81th percentile
Delinquency rate
6.89%
4th percentile
Net charge-off rate
1.00%
17th percentile
Loan-to-share
28.17%
10th percentile

Growth

Member growth YoY
-3.04%
33th percentile
Asset growth YoY
-5.83%
14th percentile
Loan growth YoY
-0.32%
61th percentile
Share growth YoY
-8.60%
11th percentile

Operations

Members / branch
958
45th percentile
Assets / member
$11,370
67th percentile
Field of membership penetration
63.87%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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