Side-by-side · Q2 2026 data
The Torrington Savings Bank vs Waterbury Connecticut Teachers Federal Credit Union
Credit union
Waterbury Connecticut Teachers Federal Credit Union
Waterbury, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | The Torrington Savings Bank | Waterbury Connecticut Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 91 |
| Earnings | 46 | 85 (stronger) |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 93rd | 96th |
| Total assets | $1.0B | $365.2M |
| Deposits / shares | $803.2M | $300.7M |
| Capital ratio | 19.03% (stronger) | 17.05% |
| Problem loans | 0.14% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 0.64% | 1.62% (stronger) |
| Loans ÷ deposits | 99.6% | 81.3% (stronger) |
| Uninsured deposits | 11.8% | 8.3% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Torrington Savings Bank leads on 3 and Waterbury Connecticut Teachers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.