Photo Album of the Croft Family:
Page #17

[Minnie Croft]
Inscription on album page: "Minnie Croft, Brooklyn 1875"
Photo by D. Rowbotham of Brooklyn.
Inscription on reverse of photo: "Minnie Croft 1875"

Minnie is probably a cousin of Margaret and James, since her photo is taken in NY and not Waterbury. They did not have a sister named Minnie, but they did have a sister named Martha, so it may be Minnie is a nickname and this is their sister. But I think that's a longshot.

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