Side-by-side · Q2 2026 data
The Torrington Savings Bank vs Freedom Credit Union
Metric by metric
| Measure | The Torrington Savings Bank | Freedom Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 95 (stronger) | 40 |
| Earnings | 46 (stronger) | 43 |
| Funding & liquidity | 61 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 93rd | 37th |
| Total assets | $1.0B | $764.0M |
| Deposits / shares | $803.2M | $611.6M |
| Capital ratio | 19.03% (stronger) | 14.26% |
| Problem loans | 0.14% (stronger) | 1.81% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.64% (stronger) | 0.57% |
| Loans ÷ deposits | 99.6% | 84.6% (stronger) |
| Uninsured deposits | 11.8% | 10.1% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Torrington Savings Bank has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Torrington Savings Bank leads on 5 and Freedom Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.