Side-by-side · Q2 2026 data
Waterbury Connecticut Teachers Federal Credit Union vs Ellafi Federal Credit Union
Credit union
Waterbury Connecticut Teachers Federal Credit Union
Waterbury, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | Waterbury Connecticut Teachers Federal Credit Union | Ellafi Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 23 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 85 (stronger) | 24 |
| Funding & liquidity | 79 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 96th | 14th |
| Total assets | $365.2M | $178.1M |
| Deposits / shares | $300.7M | $160.9M |
| Capital ratio | 17.05% (stronger) | 7.29% |
| Problem loans | 0.26% (stronger) | 0.33% |
| Net charge-offs | 0.11% (stronger) | 0.41% |
| Return on assets | 1.62% (stronger) | 0.11% |
| Loans ÷ deposits | 81.3% | 69.7% (stronger) |
| Uninsured deposits | 8.3% | 2.6% (stronger) |
| Offices | 2 | 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 57). On the 7 directional measures above (where higher or lower is clearly better), Waterbury Connecticut Teachers Federal Credit Union leads on 5 and Ellafi Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.