GENERAL INFORMATION

Credit Union Name : WATERBURY CONNECTICUT TEACHER

CU Type : FCU Status : Active Year Chartered : 1934 Date Insured : 1/4/1971 Region : 1 Charter State (SCU Only) : Member of Federal Home Loan Bank : Yes Low Income Designation : No

Charter Number : 22

Peer Group : 5 - $100,000,000 to less than $500,000,000 Assets : 234357329

No. of Members : 16350 Certification Date: 11/6/2013 8:50:48 AM

Field of Membership Type : Multiple common bond - primarily educational Research Statistics Supervision and Discount (RSSD) Number : 61074

INFORMATION SYSTEM AND TECHNOLOGY

1. Does the credit union have a website? Yes a. Website Address : www.wctfcu.com b. Type of website :

Transactional

2. If the credit union does not have a website and plans to add one in the future a. Type of website : b. Implementation Date : 3. Organizational email address : info@wctfcu.com 4. Does the credit union have Internet access? Yes 5. Data Processing System used to maintain CU records : Vendor supplied in-house 6. How members access/perform electronic financial services

 a. Home Banking via Internet Website  b. Audio Response/Phone Based

7. Services offered electronically

 c. Automatic Teller Machine (ATM)  d. Mobile Banking

e. Kiosk f. Other

 a. Account Aggregation  b. Account Balance Inquiry  c. Bill Payment  d. Download Account History
e. Electronic Cash u. Other (Please Specify)

f. Electronic Signature Auth./Cert.

k. Member Application l. Merchandise Purchase m. Merchant Processing Svs

p. Remote Deposit Capture

g. e-Statements h. External Account Transfers i. Internet Access Services

  

q. Share Account Transfers r. Share Draft Orders s. View Account History t. Mobile Payments

 

n. New Loan o. New Share Account

j. Loan Payments

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

REGULATORY INFORMATION

Credit Union Name : WATERBURY CONNECTICUT TEACHER

Charter Number : 22

Annual Meeting, Date Last Held : 5/16/2013 Financial Statement Audit Date : 9/30/2012 Type of Audit Performed :

Financial statement audit performed by state-licensed persons

Member Account Verification Date : 9/30/2012 Verifier Name : Third Party Fidelity Bond Provider Name : Other

Trade Names Used :

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

CREDIT UNION SERVICE ORGANIZATION (CUSO) - (1)

Credit Union Name : WATERBURY CONNECTICUT TEACHER Charter Number : 22 List all CUSOs the credit union uses (regardless of whether the credit union has a financial interest) and all the services provided by the CUSO. If the credit union has a loan, an investment, a "controlling financial interest", the ability to exert significant influence, or owns a smaller portion of the CUSO, please provide the value of the investment in the CUSO, amount loaned to the CUSO, and the Aggregate Cash Outlay in the CUSO, as applicable. See the instructions for additional guidance. If the credit union needs additional space, please continue on a copy of this form.
CUSO EIN : 753103689 Invest Accounted For : Full/Legal Name of CUSO : Mortgage Market CUSO Investment in CUSO : $0 City : Houghton Loan to CUSO : $0 State : MI Wholly Owned : No

Aggregate Cash Outlay :

$0

Services : Consumer mortgage origination CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA. Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : $0 State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned :

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CREDIT UNION SERVICE ORGANIZATION (CUSO) - (2)

Credit Union Name : WATERBURY CONNECTICUT TEACHER Charter Number : 22 List all CUSOs the credit union uses (regardless of whether the credit union has a financial interest) and all the services provided by the CUSO. If the credit union has a loan, an investment, a "controlling financial interest", the ability to exert significant influence, or owns a smaller portion of the CUSO, please provide the value of the investment in the CUSO, amount loaned to the CUSO, and the Aggregate Cash Outlay in the CUSO, as applicable. See the instructions for additional guidance. If the credit union needs additional space, please continue on a copy of this form.
CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA. Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned :

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CREDIT UNION SERVICE ORGANIZATION (CUSO) - (3)

Credit Union Name : WATERBURY CONNECTICUT TEACHER Charter Number : 22 List all CUSOs the credit union uses (regardless of whether the credit union has a financial interest) and all the services provided by the CUSO. If the credit union has a loan, an investment, a "controlling financial interest", the ability to exert significant influence, or owns a smaller portion of the CUSO, please provide the value of the investment in the CUSO, amount loaned to the CUSO, and the Aggregate Cash Outlay in the CUSO, as applicable. See the instructions for additional guidance. If the credit union needs additional space, please continue on a copy of this form.
CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : CUSO EIN : Invest Accounted For : Services : The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA. Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned : Full/Legal Name of CUSO : Investment in CUSO : City : Loan to CUSO : State : Wholly Owned :

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CREDIT UNION PROGRAMS AND MEMBER SERVICES

Credit Union Name : WATERBURY CONNECTICUT TEACHER
Credit Union Programs - Place a "" in the associated box to all the credit union offers (Check all that apply) a. Mortgage Processing b. Approved Mortgage Seller c. Borrowing Repurchase Agreements d. Brokered Deposits (all deposits acquired through a third party) e. Investment Pilot Program (FCU Only) Member Service and Product Offerings - Place a "" in the associated box to all the credit union offers (Check all that apply) Transactional Financial Education a. Financial Counseling f. Investments not authorized by the FCU Act (State CU Only)

Charter Number : 22

 g. Deposits and Shares Meeting 703.10(a) (FCU Only)

h. Brokered Certificates of Deposit i. Short-Term, Small Amount Loans (FCU Only)

 a. ATM/Debit Card Program

b. Check Cashing c. Money orders d. No surcharge ATMs e. Prepaid Debit Cards Depository a. Business Share Accounts b. Health Savings Accounts c. Individual Development Accounts

 b. Financial Education
c. Financial Literacy Workshops d. First Time Homebuyer Program e. In-School Branches Credit a. Business Loans

 b. Credit Builder
c. Debt Cancellation/Suspension d. Direct Financing Leases e. Indirect Business Loans f. Indirect Consumer Loans g. Indirect Mortgage Loans h. Interest Only or Pymt Option 1st Mortgage Loans i. Micro Business Loans j. Micro Consumer Loans

d. No Cost Share Drafts

 e. Share Certificates with low minimum balance requirement

Other Member Services a. Bilingual Services b. Insurance/Investment Sales

 c. No Cost Bill Payer

d. No Cost Tax Preparation Services

 e. Student Scholarship

k. Overdraft Lines of Credit

 l. Overdraft Protection/ Courtesy Pay

m. Participation Loans n. Pay Day Loans

 o. Real Estate Loans

p. Refund Anticipation Loans

 q. Risk Based Loans

r. Share Secured Credit Cards Minority Credit Union Questions 1. Does your credit union have more than 50% of its eligible potential or current members who are Black American,Native American, Hispanic American, or Asian American? (Yes/No) If Yes, identify the minority group(s) that apply : Black American Native American Hispanic American Asian American

No

2. Does your credit union have more than 50% of its current management officials who are Black American, Native American, Hispanic American, or Asian American? (Yes/No) If Yes, identify the minority group(s) that apply : Black American Native American Hispanic American Asian American

No

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

CREDIT UNION GRANT INFORMATION (1)

Credit Union Name : WATERBURY CONNECTICUT TEACHER
Grant Information - Please provide information on any grants you have received since the last time you reported. Grantor Date Awarded Amount Awarded Grant Type*

Charter Number : 22

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

CREDIT UNION GRANT INFORMATION (2)

Credit Union Name : WATERBURY CONNECTICUT TEACHER
Grant Information - Please provide information on any grants you have received since the last time you reported. Grantor Date Awarded Amount Awarded Grant Type*

Charter Number : 22

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

CONTACTS (1)
Credit Union Name : WATERBURY CONNECTICUT TEACHER
Sal. First Name MI Last Name

Charter Number : 22
Job Title(s)

Mr.

George

MacDonald

Manager or CEO

Mr.

John

Cronan

Chairperson

Mr.

Robert

Brown

Vice Chairperson

Mrs.

Linda

Caesar

Supervisory Committee Chairperson

Mrs.

Susan

Troupe

Supervisory Committee Member

Ms.

Lory

Park-Knowles

Board Member

Mr.

Gary

Huckins

Board Member

Mr.

John

Fontaine

Board Secretary

Mr.

Robert

Migliorisi

Board Treasurer

Mr.

Thomas

Fava

Board Member

Mr.

Raymond

Irrera

Supervisory Committee Member

Mr.

Christopher

Russo

Supervisory Committee Member

The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.

SITES (1)
Credit Union Name : WATERBURY CONNECTICUT TEACHER
Physical Address Site Name : Middlebury - Main Site Type : Corporate Office Operational Status : Phone Number : (203) 758-9500 Hours of Operation : Mon-Wed 9am-5pm Thurs 10am-7pm Friday 9am-5pm Main Office : Yes Ext. : City : Middlebury County : New Haven State : Connecticut Country : United States Zip : 06762-2852 City : Waterbury County : New Haven State : Connecticut Country : United States Zip : 06722 Line 2 : Line 2 : Line 1 : 773 Straits Tpke

Charter Number : 22
Mailing Address Line 1 : P.O. Box 2121

Site Name : Danbury Branch Site Type : Branch Office Operational Status : Phone Number : (203) 791-1117 Hours of Operation : Mon - Wed 9am-5pm Thurs 10am-7pm Friday 9am-5pm Main Office : No Ext. :

Line 1 : 110 Federal Rd

Line 1 : P.O. Box 2121

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City : Danbury County : Fairfield State : Connecticut Country : United States Zip : 06811-4021

City : Waterbury County : New Haven State : Connecticut Country : United States Zip : 06722

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The information on this page is provided by credit unions in accordance with the Federal Credit Union Act, the National Credit Union Administration regulations, or other law. Questions about the accuracy of the contents on this webpage should be addressed to the appropriate credit union, if any, before contacting NCUA.