Side-by-side · Q2 2026 data
The Torrington Savings Bank vs Tobacco Valley Teachers Federal Credit Union
Credit union
Tobacco Valley Teachers Federal Credit Union
Enfield, Connecticut · Under $100 million in assets
Metric by metric
| Measure | The Torrington Savings Bank | Tobacco Valley Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 95 (stronger) | 67 |
| Earnings | 46 (stronger) | 36 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 93rd | 24th |
| Total assets | $1.0B | $72.4M |
| Deposits / shares | $803.2M | $65.4M |
| Capital ratio | 19.03% (stronger) | 9.49% |
| Problem loans | 0.14% (stronger) | 0.99% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 0.64% (stronger) | 0.40% |
| Loans ÷ deposits | 99.6% | 23.8% (stronger) |
| Uninsured deposits | 11.8% | 3.2% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Torrington Savings Bank has the higher TellerScore (82 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Torrington Savings Bank leads on 5 and Tobacco Valley Teachers Federal Credit Union on 2. 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.