A
Waterbury Connecticut Teachers Federal Credit Union
Rating Date
September 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
My Lists My Alerts
Weiss Ratings Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.10
Profitability Index 9.80
Stability Index 8.00
Company Info Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
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 0.94%
Non-Performing Loans to Loans 0.22%
Balance Sheet Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 356.10M
Total Deposits 298.19M
Capital and Reserves Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 18.02%
Liquidity Ratio 32.64%
Profitability Waterbury Connecticut Teachers Federal Credit Union
Middlebury, CT 		Click to
Compare		 Click to
Compare		 Click to
Compare
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 59.24%
Return on Assets 1.65%
Return on Equity 10.79%