Waterbury Connecticut Teachers Federal Credit Union (NCUA charter #22) is based in Waterbury, Connecticut. Its Q2 2026 call report shows $365.2M in total assets and $300.7M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Waterbury Connecticut Teachers Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 96% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 2nd. Its strongest component is capital cushion (100/100; 17.05%), and its lowest is funding & liquidity (79/100; 81% loans-to-deposits, 8% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (92 → 91).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 90 |
| Q4 2024 | 89 |
| Q1 2025 | 90 |
| Q2 2025 | 92 |
| Q3 2025 | 92 |
| Q4 2025 | 91 |
| Q1 2026 | 90 |
| Q2 2026 | 91 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.20% |
| Q3 2024 | 15.92% |
| Q4 2024 | 15.96% |
| Q1 2025 | 15.80% |
| Q2 2025 | 15.86% |
| Q3 2025 | 16.48% |
| Q4 2025 | 16.75% |
| Q1 2026 | 16.80% |
| Q2 2026 | 17.05% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.41% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $365.2M | 17.05% | 0.26% | 1.62% | 81.3% |
| Q1 2026 | 90 | $360.9M | 16.80% | 0.26% | 1.44% | 80.2% |
| Q4 2025 | 91 | $354.2M | 16.75% | 0.34% | 1.66% | 81.7% |
| Q3 2025 | 92 | $351.0M | 16.48% | 0.23% | 1.67% | 81.8% |
| Q2 2025 | 92 | $356.1M | 15.86% | 0.22% | 1.61% | 78.8% |
| Q1 2025 | 90 | $347.6M | 15.80% | 0.31% | 1.48% | 80.4% |
| Q4 2024 | 89 | $336.0M | 15.96% | 0.36% | 1.47% | 84.8% |
| Q3 2024 | 90 | $329.6M | 15.92% | 0.24% | 1.53% | 88.3% |
| Q2 2024 | 90 | $336.9M | 15.20% | 0.22% | 1.41% | 86.3% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mutual Security Credit UnionCredit union Shelton, CT | 59 out of 100, Moderate | $385.4M | 8.7% | 0.37% | vs |
| 360 Federal Credit UnionCredit union Windsor Locks, CT | 65 out of 100, Moderate | $324.4M | 9.5% | 0.68% | vs |
| General Electric Employees Federal Credit UnionCredit union Milford, CT | 56 out of 100, Moderate | $283.2M | 9.9% | 1.57% | vs |
| Ellafi Federal Credit UnionCredit union Middletown, CT | 57 out of 100, Moderate | $178.1M | 7.3% | 0.33% | vs |
| Achieve Financial Credit UnionCredit union Berlin, CT | 37 out of 100, Low | $176.0M | 8.4% | 2.30% | vs |
| Dutch Point Credit UnionCredit union Wethersfield, CT | 77 out of 100, Strong | $565.4M | 10.6% | 0.12% | vs |
Deposit insurance
Is my money safe at Waterbury Connecticut Teachers Federal Credit Union?
Yes. Waterbury Connecticut Teachers Federal Credit Union is a federally insured credit union (NCUA charter #22). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.3% of shares and deposits ($25.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 17.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Waterbury Connecticut Teachers Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Danbury, CT (1)
- Middlebury, CT (1)
Identity & history
Profile
- Legal name
- Waterbury Connecticut Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 22
- RSSD ID
- 61074
- Primary regulator
- NCUA
- Established
- 1934
- Headquarters
- P.O. Box 2121, Waterbury, CT 06722
- Employees
- 32
Quick answers
Waterbury Connecticut Teachers Federal Credit Union: common questions
Is Waterbury Connecticut Teachers Federal Credit Union NCUA insured?
Yes. Waterbury Connecticut Teachers Federal Credit Union is a federally insured credit union (NCUA charter #22). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Waterbury Connecticut Teachers Federal Credit Union's TellerScore?
91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Waterbury Connecticut Teachers Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Waterbury
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| New Haven Teachers Federal Credit UnionCredit union New Haven, CT | 90 out of 100, Very strong | $10.2M | 32.0% | 0.13% | vs |
| New Haven Firefighters Credit UnionCredit union New Haven, CT | 89 out of 100, Very strong | $5.9M | 26.3% | 0.00% | vs |
| Sikorsky Financial Credit UnionCredit union Stratford, CT | 84 out of 100, Strong | $1.5B | 12.9% | 0.25% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |