Side-by-side · Q2 2026 data
The Torrington Savings Bank vs Nutmeg State Financial Credit Union
Credit union
Nutmeg State Financial Credit Union
Rocky Hill, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | The Torrington Savings Bank | Nutmeg State Financial Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 95 (stronger) | 75 |
| Earnings | 46 (stronger) | 41 |
| Funding & liquidity | 61 | 63 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 93rd | 37th |
| Total assets | $1.0B | $916.5M |
| Deposits / shares | $803.2M | $759.9M |
| Capital ratio | 19.03% (stronger) | 11.93% |
| Problem loans | 0.14% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 0.64% (stronger) | 0.54% |
| Loans ÷ deposits | 99.6% | 97.5% (stronger) |
| Uninsured deposits | 11.8% | 7.5% (stronger) |
| Offices | 8 | 14 |
| 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 Nutmeg State Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.