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University of Connecticut-Waterbury Campus

Waterbury, CT · official site ↗

PublicOther / Unclassified
19
Fin. Resilience
Resilience score

vs. 26 peers in its group

University of Connecticut-Waterbury Campus is a public institution in Waterbury, CT.

It enrolls about 733 undergraduates and is benchmarked here against 26 peer institutions (Other / Unclassified · Public).

On Ibex's Financial Resilience score it rates 19 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is return on credential (0.81×, 100th percentile).

Its weakest is endowment (end of year) ($2.6M).

Ibex's cross-metric scan flags: Undergrad enrollment down 64% since 2016.

Peer group

Other / Unclassified · Public

26 institutions

Undergrad enrollment down 64% since 2016
Policy & demographic exposure

How exposed University of Connecticut-Waterbury Campus is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
-7.1%
Moderate decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

Turn these signals into action

Seeing exposure is step one. Ibex builds AI agents that monitor and act on exactly these pressures — explore an interactive demo. Live demos run real workflows; the rest are working mockups we build to your institution’s data.

AI Recruiter Agent
Financial Health Index
0.4
on a −4 to 10 scale
Financial Health IndexStress

NACUBO Composite Financial Index — the balance-sheet health score accreditors and institutional boards use to gauge financial health; bond-rating agencies track similar ratios. reported at parent/system level — reflects University of Connecticut (excluded from rankings and peer percentiles).

Primary reserve 35%1.8 mo
Reserves vs. debt 35%0.20×
Return on net assets 20%-0.9%
Operating result 10%-1.6%

Composite of four ratios on a strength-factor scale (−4 weak → 10 strong): below 3 falls short of the threshold for financial health, below 1 signals acute stress, and above 6 is strong. Computed from IPEDS FY2022-23, the most recent finance release (it lags the current year by 2–3 years). Branch campuses that report finances at a parent/system level can show distorted ratios. For informational benchmarking, not a credit rating or financial advice.

Revenue composition
Where the money comes from $3.18B total revenue · IPEDS FY2022-23

Reported at parent/system level — reflects University of Connecticut.

Government appropriations is the largest single source at 25% of revenue.

Government appropriations25.2%
Hospital22.1%
Tuition & fees15.3%
Government grants & contracts14.3%
Other revenue13.3%
Auxiliary enterprises6.2%
Private gifts & grants2.8%
Investment return0.8%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Net price by income
Average net price by family income After grant & scholarship aid · Scorecard 2024-25
$0–30K$5,604
$30–48K$5,463
$48–75K$11,490
$75–110K$15,621
$110K+$20,538

Average annual net price (total cost minus grant and scholarship aid) paid by federal-aid recipients in each family-income band. Lower-income bands often pay less where need-based aid is strong.

Financial Health
Net tuition revenue / FTETuition revenue per full-time-equivalent student after institutional aid/discounts — what tuition actually nets.
Below peers
$2,914
8th percentile in peer grouppeer median $8,267
Instructional spend / FTESpending on instruction per FTE student — how much of the budget reaches the classroom.
Average
$4,207
42nd percentile in peer grouppeer median $4,455
Endowment (end of year)Total endowment value at year end — long-term invested wealth that funds operations and cushions shocks.
Below peers
$2.6M
4th percentile in peer grouppeer median $13.5M
In-state tuition & feesPublished in-state tuition and fees before aid (sticker price).
$18,140
96th percentile in peer grouppeer median $15,208
Out-of-state tuition & feesPublished out-of-state tuition and fees before aid (sticker price).
$40,808
96th percentile in peer grouppeer median $25,392
Avg annual cost of attendanceAverage total annual cost — tuition, fees and living costs — before aid.
$22,933
4th percentile in peer grouppeer median $27,862
Avg monthly faculty salaryAverage monthly salary of full-time faculty (IPEDS) — a proxy for faculty investment.
Strong
$17,573
100th percentile in peer grouppeer median $9,943
Average monthly salary of full-time faculty, as reported to IPEDS.
Average net priceAverage yearly price families actually pay after grants and scholarships.
Strong
$10,875
4th percentile in peer grouppeer median $18,071
Endowment per undergradEndowment divided by undergraduate headcount — endowment wealth behind each undergrad.
Below peers
$3,568
8th percentile in peer grouppeer median $19,466
Endowment per FTE studentEndowment per full-time-equivalent student — the FTE-correct measure of endowment wealth per student.
Below peers
$3,764
8th percentile in peer grouppeer median $18,180
End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.
Operating marginNet surplus as a share of total revenue — whether the institution runs in the black.
Strong
10.4%
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
Tuition dependencyTuition's share of total revenue — how exposed the budget is to enrollment swings.
15.3%
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
State appropriations shareState appropriations' share of total revenue — material for public institutions, near zero for private.
23.9%
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
Months of operating cushionMonths of operating expenses covered by expendable reserves — the institution's cash cushion.
Thin
1.8 mo
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
Reserves vs. debtExpendable reserves divided by long-term debt — whether reserves could cover the debt.
Thin
0.20×
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
Return on net assetsChange in net assets over the year — whether the institution grew wealthier.
Weak
-0.9%
Parent/system level
Reported at parent/system level — reflects University of Connecticut. Excluded from rankings and peer percentiles.
Graduation & completion
Graduation rate · first-time, full-time
52.7%

52.7% graduate within 6 years (150% of normal time)
36.3% on-time, within 4 years (100%)
Counts only students who entered full-time as first-time freshmen and earned a bachelor's here — the conventional headline rate. Excludes part-time entrants and transfer-ins.

Completion rate · all students
60.9%

60.9% earned a degree or certificate within 8 years (IPEDS Outcome Measures)
The broader cohort — also counts part-time entrants and transfer-ins, and any credential. More inclusive, so it can run higher than the graduation rate.

Why two numbers? They measure different students over different windows, so they are not directly comparable. The graduation rate is the standard federal headline but tracks only first-time, full-time students through a bachelor's; the all-students completion rate adds the part-time and transfer students it leaves out, over a longer window. Read each for what it covers. Source: U.S. Department of Education — IPEDS Graduation Rates & Outcome Measures, via College Scorecard.

Enrollment & Pipeline
Undergraduate enrollmentNumber of degree-seeking undergraduates (IPEDS fall headcount). A size measure, not a quality signal.
733
48th percentile in peer grouppeer median 793
Admission rateShare of applicants offered admission. Lower means more selective; open-admission schools report none.
86.7%
12th percentile in peer grouppeer median 96.5%
First-year retentionShare of first-time, full-time freshmen who return for a second year — an early signal of student fit and support.
Average
77.8%
52nd percentile in peer grouppeer median 77.8%
Graduation rate (6-yr · first-time, full-time)Of first-time, full-time freshmen, the share who earn a bachelor's at this institution within six years (150% of normal time) — the conventional headline graduation rate. It counts only first-time, full-time students and excludes part-time entrants and transfer-ins, who are captured instead by the all-students completion rate.
Strong
52.7%
80th percentile in peer grouppeer median 31.9%
Graduation rate (4-yr on-time · first-time, full-time)Of first-time, full-time freshmen, the share who earn a bachelor's within four years (100% of normal time) — the 'on-time' rate. It runs well below the six-year rate because many students take a fifth or sixth year; same first-time, full-time cohort as the six-year rate.
Strong
36.3%
88th percentile in peer grouppeer median 22.2%
Pell recipient shareShare of undergraduates on a federal Pell Grant — a proxy for the share from lower-income families.
51.6%
100th percentile in peer grouppeer median 35%
12-month FTE enrollmentFull-time-equivalent enrollment over the full year — the denominator for per-student finance measures.
695
50th percentile in peer grouppeer median 764
Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.
Student-faculty ratioStudents per instructional faculty member — lower usually means smaller classes and more contact.
20:1
96th percentile in peer grouppeer median 12:1
Students per instructional faculty member (IPEDS, fall 2023). Lower generally means smaller classes and more faculty contact, though the measure mixes undergraduate and graduate teaching and is institution-reported.
Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
Moderate decline
-7.1%
— percentile in peer group
Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.
Completion rate (all students · 8-yr)Of ALL entering degree-seeking undergraduates — full- and part-time, first-time and transfer-in — the share who earned a degree or certificate at this institution within eight years (IPEDS Outcome Measures). Broader than the graduation rate, which counts only first-time, full-time students, so the two are measured on different students and are not directly comparable.
Strong
60.9%
88th percentile in peer grouppeer median 36.1%
Share of ALL entering degree-seeking undergraduates — full- and part-time, first-time and transfer-in — who earned a degree or certificate at this institution within eight years (IPEDS Outcome Measures, via College Scorecard). Broader and more inclusive than the graduation-rate figures, which count only first-time, full-time students entering a bachelor's program — so the two are measured on different groups of students and are not directly comparable.
Average SAT score
1,060
4th percentile in peer grouppeer median 1,184
Average SAT score of enrolled students who submitted scores (College Scorecard, FY2024-25). A selectivity and incoming-class signal — not a measure of institutional quality — and reported by fewer than half of institutions in the test-optional era. Schools that are test-optional or open-admission show none.
Admission yield
Below peers
13.1%
32nd percentile in peer grouppeer median 17.2%
Share of admitted students who enrolled (IPEDS Admissions, Fall 2023): students who enrolled ÷ students admitted. A demand signal — how many accepted offers the institution converts to enrollment. Higher yield generally reflects stronger demand, though binding early-decision programs and price positioning can inflate it. Open-admission institutions do not report admissions and show none.
Student body
Undergraduate race & ethnicity IPEDS 2024-25
White38.5%
Hispanic/Latino30.6%
Asian12.4%
Black11.1%
Two or more races4.6%
International2.1%
Unknown0.7%
American Indian/Alaska Native0.1%

Undergraduate enrollment by race and ethnicity, as reported to IPEDS (College Scorecard). “International” denotes nonresident students; “Unknown” means race/ethnicity was not reported.

Student Outcomes & Risk
Median earnings (10 yr)Median earnings of former students ten years after first enrolling (working, federally-aided students).
Strong
$73,997
100th percentile in peer grouppeer median $63,435
Median debt at graduationMedian federal loan debt graduates carry at the point they complete.
Strong
$21,500
19th percentile in peer grouppeer median $25,000
3-yr cohort default rateShare of borrowers who default within three years of entering repayment. Lower is better.
Strong
2.6%
16th percentile in peer grouppeer median 5%
Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.
Share taking federal loansShare of students taking out federal loans — a borrowing-reliance signal.
37.2%
16th percentile in peer grouppeer median 49.1%
Full-time faculty shareShare of faculty employed full-time — higher generally means more availability and continuity.
Average
68%
64th percentile in peer grouppeer median 68%
Debt-to-earnings ratioMedian graduate debt divided by median earnings — how heavy the debt load is versus what graduates earn. Lower is better.
Strong
0.29×
15th percentile in peer grouppeer median 0.39×
Return on credentialMedian 10-year earnings divided by the four-year cost of attendance (annual cost × 4) — a rough payback ratio for the degree.
Strong
0.81×
100th percentile in peer grouppeer median 0.57×
Median 10-year earnings divided by the four-year cost of attendance (average annual cost × 4). A rough payback ratio: 1.0× means a graduate's annual 10-year earnings roughly equal the full four-year sticker cost. Earnings reflect federally-aided students; cost of attendance is the published sticker price before aid, so this is conservative relative to what families net of aid pay.
Loan repayment rate (3-yr)
78%
100th percentile in peer grouppeer median 67.9%
Share of student-loan borrowers who had repaid at least $1 of their loan principal within three years of entering repayment (College Scorecard, FY2024-25). Read it as context, not a simple good/bad score: a low rate can mean borrowers are struggling, but it can also mean many graduates have postponed payments while enrolled in graduate or professional school, which is common at selective schools and pushes their rate down. Unlike the cohort default rate, it is not distorted by the 2020-23 federal payment pause. Reported only where enough borrowers exist.
Top fields of study (bachelor's)

University of Connecticut-Waterbury Campus’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

FieldCompletions / yrMedian earnings, 4 yrs outMedian debtEarnings premiumRisk score
Social Sciences4$69,791
79th pct · 14 peers
—Above benchmark +65%Moderate · 50
Psychology3$63,689
100th pct · 24 peers
—Above benchmark +51%Moderate · 50
Communication & Journalism2$65,645
94th pct · 18 peers
—Above benchmark +55%Moderate · 50
Health Professions & Clinical Sciences2$93,731
100th pct · 22 peers
—Above benchmark +122%Moderate · 50
Biological & Biomedical Sciences1$66,629
71th pct · 21 peers
—Above benchmark +58%Moderate · 50
Business, Management & Marketing1$90,372
100th pct · 25 peers
—Above benchmark +114%Moderate · 50
Engineering1$95,485
94th pct · 16 peers
—Above benchmark +126%Moderate · 50
Family & Consumer Sciences1$57,888
100th pct · 14 peers
—Above benchmark +37%Moderate · 50
Agriculture & Animal Sciences—$56,730
88th pct · 8 peers
—Above benchmark +34%Moderate · 50
Area, Ethnic & Gender Studies—$48,452
80th pct · 5 peers
—Above benchmark +15%Low · 23

All 10 top fields shown clear the CT state earnings-premium benchmark (indicative).

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the CT state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend—higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked
How financially healthy is University of Connecticut-Waterbury Campus?
University of Connecticut-Waterbury Campus does not file its own IPEDS finance survey — its finances are reported by its parent institution, University of Connecticut, which scores 0.4 (Stress) on the NACUBO Composite Financial Index (the −4 to 10 balance-sheet score accreditors and boards use), computed from IPEDS FY2022-23 finances. This parent-level figure is informational benchmarking, not a credit rating.
How selective is University of Connecticut-Waterbury Campus?
University of Connecticut-Waterbury Campus admits about 87% of applicants, and roughly 78% of first-year students return for a second year.
What is University of Connecticut-Waterbury Campus's student-faculty ratio?
University of Connecticut-Waterbury Campus reports a student-faculty ratio of 20:1 (IPEDS, fall 2023) — that is, about 20 students for every instructional faculty member.
How much does University of Connecticut-Waterbury Campus cost?
The average published cost of attendance is $22,933 and the average net price after aid is $10,875 (College Scorecard).
How much do University of Connecticut-Waterbury Campus graduates earn?
Median earnings ten years after entry are $73,997 (College Scorecard), measured across students who received federal aid.
Are University of Connecticut-Waterbury Campus's programs at risk under the federal earnings-premium test?
Indicatively, at University of Connecticut-Waterbury Campus, all 10 of the largest fields with available earnings data clear the CT state earnings-premium benchmark used by the 2025 federal test (effective July 1, 2026) — median graduate earnings (four years out) exceed those of a typical worker without the credential. This is an estimate using College Scorecard earnings vs ACS medians; the official Department of Education determination may differ.
Compare with peers
Pennsylvania State University-Penn State ScrantonPennsylvania State University-Penn State YorkPennsylvania State University-Penn State SchuylkillPennsylvania State University-Penn State Lehigh ValleyPennsylvania State University-Penn State Mont AltoPennsylvania State University-Penn State Hazleton

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Source: U.S. Department of Education — College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite — see each component above. Compiled by Ibex Insights.