A
Waterbury Connecticut Teachers Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
16.04
Leverage
Ratio
16.49
Return On
Assets
1.68%
Total
Assets
350.96M
Capital
56.46M
Total
Deposits
291.29M
Net
Income
4.40M
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Weiss Ratings Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 3.70
Profitability Index 9.80
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 6.48%
5-Year Asset Growth 6.73%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.93%
Non-Performing Loans to Loans 0.23%
Balance Sheet Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Total Assets 350.96M
Total Deposits 291.29M
Capital and Reserves Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Capital 56.46M
Leverage Ratio 16.49
Loan Loss Reserves to Loans 0.67%
Liquidity Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
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Hot Money Ratio 19.34%
Liquidity Ratio 29.32%
Profitability Waterbury Connecticut Teachers Federal Credit Union
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5-Year Return on Average Assets 1.11%
Net Income 4.40M
Net Interest Spread 3.91%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 57.68%
Return on Assets 1.68%
Return on Equity 10.89%