Side-by-side · Q2 2026 data
Waterbury Connecticut Teachers Federal Credit Union vs Academic Federal Credit Union
Credit union
Waterbury Connecticut Teachers Federal Credit Union
Waterbury, Connecticut · $100 million – $1 billion
Credit union
Academic Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Metric by metric
| Measure | Waterbury Connecticut Teachers Federal Credit Union | Academic Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 91 (stronger) | 55 |
| Earnings | 85 (stronger) | 69 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 96th | 42nd |
| Total assets | $365.2M | $33.7M |
| Deposits / shares | $300.7M | $29.8M |
| Capital ratio | 17.05% (stronger) | 11.44% |
| Problem loans | 0.26% (stronger) | 1.34% |
| Net charge-offs | 0.11% (stronger) | 0.99% |
| Return on assets | 1.62% (stronger) | 1.22% |
| Loans ÷ deposits | 81.3% | 35.8% (stronger) |
| Uninsured deposits | 8.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Waterbury Connecticut Teachers Federal Credit Union leads on 5 and Academic 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.