Side-by-side · Q2 2026 data
Tobacco Valley Teachers Federal Credit Union vs Unity Financial Credit Union
Credit union
Tobacco Valley Teachers Federal Credit Union
Enfield, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Tobacco Valley Teachers Federal Credit Union | Unity Financial Credit Union |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 45 | 82 (stronger) |
| Loan quality | 67 | 88 (stronger) |
| Earnings | 36 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 24th | 47th |
| Total assets | $72.4M | $63.9M |
| Deposits / shares | $65.4M | $55.7M |
| Capital ratio | 9.49% | 13.15% (stronger) |
| Problem loans | 0.99% | 0.35% (stronger) |
| Net charge-offs | 0.36% | 0.23% (stronger) |
| Return on assets | 0.40% (stronger) | 0.16% |
| Loans ÷ deposits | 23.8% (stronger) | 80.8% |
| Uninsured deposits | 3.2% | 0.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Unity Financial Credit Union has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Tobacco Valley Teachers Federal Credit Union leads on 2 and Unity Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.