Tobacco Valley Teachers Federal Credit Union is a federal credit union headquartered in Enfield, Connecticut, in business for about 90 years. At the end of Q2 2026 it reported $72.4M in total assets and $65.4M in member shares and deposits, with 2 offices across 2 states.
Tobacco Valley Teachers Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 46th. Funding & liquidity contributes the most (100/100, 24% loans-to-deposits, 3% uninsured); earnings contributes the least (36/100, 0.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (72 → 62), mostly because the earnings component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 65 |
| Q4 2024 | 62 |
| Q1 2025 | 77 |
| Q2 2025 | 72 |
| Q3 2025 | 73 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.25% |
| Q3 2024 | 9.78% |
| Q4 2024 | 9.27% |
| Q1 2025 | 9.35% |
| Q2 2025 | 9.49% |
| Q3 2025 | 10.04% |
| Q4 2025 | 9.91% |
| Q1 2026 | 9.37% |
| Q2 2026 | 9.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.13% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.55% |
| Q4 2025 | 1.86% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.99% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.67% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.06% |
| Q4 2025 | 0.89% |
| Q1 2026 | -0.24% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $72.4M | 9.49% | 0.99% | 0.40% | 23.8% |
| Q1 2026 | 61 | $71.3M | 9.37% | 0.55% | -0.24% | 24.3% |
| Q4 2025 | 60 | $67.8M | 9.91% | 1.86% | 0.89% | 26.4% |
| Q3 2025 | 73 | $66.5M | 10.04% | 0.55% | 1.06% | 27.7% |
| Q2 2025 | 72 | $69.0M | 9.49% | 0.51% | 1.15% | 26.8% |
| Q1 2025 | 77 | $69.0M | 9.35% | 0.45% | 1.73% | 26.6% |
| Q4 2024 | 62 | $66.4M | 9.27% | 1.13% | 0.67% | 28.4% |
| Q3 2024 | 65 | $62.4M | 9.78% | 1.04% | 0.79% | 31.1% |
| Q2 2024 | 59 | $64.7M | 9.25% | 1.53% | 0.77% | 29.9% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Albright Credit UnionCredit union Bethel, CT | 63 out of 100, Moderate | $73.9M | 11.9% | 2.15% | vs |
| Franklin Trust Federal Credit UnionCredit union Hartford, CT | 67 out of 100, Moderate | $70.0M | 9.8% | 0.88% | vs |
| Cornerstone Federal Credit UnionCredit union Fairfield, CT | 77 out of 100, Strong | $68.3M | 10.6% | 0.22% | vs |
| Unity Financial Credit UnionCredit union New Haven, CT | 73 out of 100, Strong | $63.9M | 13.2% | 0.35% | vs |
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| Riverbank Federal Credit UnionCredit union Windsor Locks, CT | 67 out of 100, Moderate | $87.3M | 9.5% | 0.57% | vs |
Deposit insurance
Is my money safe at Tobacco Valley Teachers Federal Credit Union?
Yes. Tobacco Valley Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1077). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.2% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Tobacco Valley Teachers Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Enfield, CT (1)
- Salt Lake City, UT (1)
Identity & history
Profile
- Legal name
- Tobacco Valley Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1077
- RSSD ID
- 218672
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 182 South Rd, Enfield, CT 06082
- Employees
- 10
Quick answers
Tobacco Valley Teachers Federal Credit Union: common questions
Is Tobacco Valley Teachers Federal Credit Union NCUA insured?
Yes. Tobacco Valley Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1077). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Tobacco Valley Teachers Federal Credit Union's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Tobacco Valley Teachers Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Enfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stafford Savings BankBank Stafford Springs, CT | 95 out of 100, Very strong | $507.0M | 50.6% | 0.56% | vs |
| Greater Springfield Credit UnionCredit union Springfield, MA | 94 out of 100, Very strong | $230.3M | 19.7% | 0.45% | vs |
| MassMutual Private Wealth & Trust, FSBBank Springfield, MA | 93 out of 100, Very strong | $93.7M | 32.2% | 0.00% | vs |
| Ct Firefighters Federal Credit UnionCredit union Hartford, CT | 85 out of 100, Very strong | $34.7M | 11.6% | 0.00% | vs |
| Charter Oak Federal Credit UnionCredit union Waterford, CT | 85 out of 100, Very strong | $1.7B | 12.5% | 0.50% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |