Side-by-side · Q2 2026 data
The Torrington Savings Bank vs United Business & Industry Federal Credit Union
Credit union
United Business & Industry Federal Credit Union
Plainville, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | The Torrington Savings Bank | United Business & Industry Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 46 | 65 (stronger) |
| Funding & liquidity | 61 | 68 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 93rd | 71st |
| Total assets | $1.0B | $141.4M |
| Deposits / shares | $803.2M | $124.3M |
| Capital ratio | 19.03% (stronger) | 11.57% |
| Problem loans | 0.14% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.55% |
| Return on assets | 0.64% | 1.13% (stronger) |
| Loans ÷ deposits | 99.6% | 92.3% (stronger) |
| Uninsured deposits | 11.8% | 11.7% (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 77). On the 7 directional measures above (where higher or lower is clearly better), The Torrington Savings Bank leads on 3 and United Business & Industry 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.