Side-by-side · Q2 2026 data
Waterbury Connecticut Teachers Federal Credit Union vs Unity Financial 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 | Unity Financial Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 85 (stronger) | 26 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 96th | 47th |
| Total assets | $365.2M | $63.9M |
| Deposits / shares | $300.7M | $55.7M |
| Capital ratio | 17.05% (stronger) | 13.15% |
| Problem loans | 0.26% (stronger) | 0.35% |
| Net charge-offs | 0.11% (stronger) | 0.23% |
| Return on assets | 1.62% (stronger) | 0.16% |
| Loans ÷ deposits | 81.3% | 80.8% (stronger) |
| Uninsured deposits | 8.3% | 0.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Waterbury Connecticut Teachers Federal Credit Union leads on 5 and Unity Financial 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.