Side-by-side · Q2 2026 data
Liberty Bank vs Torrington Municipal and Teachers Federal Credit Union
Credit union
Torrington Municipal and Teachers Federal Credit Union
Torrington, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Liberty Bank | Torrington Municipal and Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 84 (stronger) | 44 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 72 (stronger) | 61 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 88th | 49th |
| Total assets | $9.4B | $93.6M |
| Deposits / shares | $7.1B | $84.8M |
| Capital ratio | 13.37% (stronger) | 9.37% |
| Problem loans | 0.32% | 0.14% (stronger) |
| Net charge-offs | 0.18% | 0.16% (stronger) |
| Return on assets | 1.30% (stronger) | 1.02% |
| Loans ÷ deposits | 101.8% | 40.8% (stronger) |
| Uninsured deposits | 25.5% | 6.2% (stronger) |
| Offices | 51 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
Liberty Bank has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 3 and Torrington Municipal and Teachers Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.