Side-by-side · Q2 2026 data
Thomaston 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 | Thomaston Savings Bank | Waterbury Connecticut Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 91 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 63 | 85 (stronger) |
| Funding & liquidity | 64 | 79 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 49th | 96th |
| Total assets | $1.9B | $365.2M |
| Deposits / shares | $1.7B | $300.7M |
| Capital ratio | 10.68% | 17.05% (stronger) |
| Problem loans | 0.65% | 0.26% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 1.07% | 1.62% (stronger) |
| Loans ÷ deposits | 84.0% | 81.3% (stronger) |
| Uninsured deposits | 26.3% | 8.3% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Thomaston Savings Bank leads on 1 and Waterbury Connecticut Teachers Federal Credit Union on 6. 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.
Where both have branches
- Middlebury, CT