B
Waterbury Connecticut Teachers Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
15.34
Leverage
Ratio
15.88
Return On
Assets
1.65%
Total
Assets
356.10M
Capital
54.70M
Total
Deposits
298.19M
Net
Income
2.86M
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Weiss Ratings Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 3.80
Profitability Index 9.50
Stability Index 7.00
Company Info Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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NCUA Charter Number 471
Phone Number (203) 758-9500
Website www.wctfcu.com
Asset Quality Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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1-Year Asset Growth 5.69%
5-Year Asset Growth 6.73%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.35%
Non-Performing Loans to Loans 0.31%
Balance Sheet Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Total Assets 356.10M
Total Deposits 298.19M
Capital and Reserves Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Capital 54.70M
Leverage Ratio 15.88
Loan Loss Reserves to Loans 0.65%
Liquidity Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Hot Money Ratio 18.29%
Liquidity Ratio 30.41%
Profitability Waterbury Connecticut Teachers Federal Credit Union
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5-Year Return on Average Assets 1.11%
Net Income 2.86M
Net Interest Spread 3.90%
Operating Profit to Average Assets 1.54%
Overhead Efficiency Ratio 62.39%
Return on Assets 1.65%
Return on Equity 10.79%