Greater Watertown Federal Credit Union

Overview / Commentary
48 Woodruff Ave
Watertown, CT 06795

Greater Watertown Federal Credit Union is headquartered in Watertown and is the 59th largest credit union in the state of Connecticut. It is also the 3,424th largest credit union in the nation. It was established in 1935 and as of December of 2019, it had grown to 5 employees and 2,932 members at 1 location. Greater Watertown Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Greater Watertown Federal Credit Union offers membership to those who work, worship, attend school or live in the towns of Bethlehem, Middlebury, Morris, Oakville, Thomaston, Waterbury, Watertown or Woodbury, Connecticut. Additionally, persons married to or related by blood to a current GWFCU member may also be eligible.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Greater Watertown Federal Credit Union has a low asset base.

Health Grade Components

NCUA #660
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.74%
Annual Interest Income$656.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$18.2MM$18.2MM
LoansQ4 2019vs Q4 2018$6.8MM$8.2MM
DepositsQ4 2019vs Q4 2018$16.8MM$16.8MM
Equity CapitalQ4 2019vs Q4 2018$1.4MM$1.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$67.00K$78.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$108.00K$142.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0

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Greater Watertown Federal Credit Union Locations
Branch Office48 woodruff avewatertown, CT 06795

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