Side-by-side · Q2 2026 data
The Torrington Savings Bank vs Greater Waterbury Healthcare Federal Credit Union
Credit union
Greater Waterbury Healthcare Federal Credit Union
Waterbury, Connecticut · Under $100 million in assets
Metric by metric
| Measure | The Torrington Savings Bank | Greater Waterbury Healthcare Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 64 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 46 | 49 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 93rd | 28th |
| Total assets | $1.0B | $9.3M |
| Deposits / shares | $803.2M | $6.7M |
| Capital ratio | 19.03% | 27.23% (stronger) |
| Problem loans | 0.14% (stronger) | 5.72% |
| Net charge-offs | 0.00% | -0.18% (stronger) |
| Return on assets | 0.64% | 0.72% (stronger) |
| Loans ÷ deposits | 99.6% | 27.5% (stronger) |
| Uninsured deposits | 11.8% | 2.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Torrington Savings Bank has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Torrington Savings Bank leads on 2 and Greater Waterbury Healthcare Federal Credit Union on 5. 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.