Torrington Municipal and Teachers Federal Credit Union (NCUA charter #14003) is based in Torrington, Connecticut. Its Q2 2026 call report shows $93.6M in total assets and $84.8M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Torrington Municipal and Teachers Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 25th. Its strongest component is funding & liquidity (100/100; 41% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (44/100; 9.37%).
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 rose 12 points (62 → 74), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 62 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.76% |
| Q3 2024 | 8.94% |
| Q4 2024 | 8.91% |
| Q1 2025 | 8.67% |
| Q2 2025 | 8.92% |
| Q3 2025 | 9.29% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.35% |
| Q2 2026 | 9.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.25% |
| Q2 2025 | 1.15% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.90% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.03% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $93.6M | 9.37% | 0.14% | 1.02% | 40.8% |
| Q1 2026 | 73 | $91.0M | 9.35% | 0.19% | 0.95% | 41.3% |
| Q4 2025 | 73 | $89.5M | 9.27% | 0.20% | 1.03% | 42.7% |
| Q3 2025 | 73 | $87.1M | 9.29% | 0.30% | 1.09% | 43.2% |
| Q2 2025 | 62 | $87.1M | 8.92% | 1.15% | 0.90% | 42.8% |
| Q1 2025 | 69 | $87.0M | 8.67% | 0.25% | 0.76% | 42.1% |
| Q4 2024 | 69 | $82.8M | 8.91% | 0.24% | 0.69% | 44.5% |
| Q3 2024 | 67 | $81.0M | 8.94% | 0.44% | 0.70% | 45.2% |
| Q2 2024 | 66 | $80.5M | 8.76% | 0.42% | 0.59% | 44.2% |
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 |
|---|---|---|---|---|---|
| Riverbank Federal Credit UnionCredit union Windsor Locks, CT | 67 out of 100, Moderate | $87.3M | 9.5% | 0.57% | vs |
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| Albright Credit UnionCredit union Bethel, CT | 63 out of 100, Moderate | $73.9M | 11.9% | 2.15% | vs |
| Tobacco Valley Teachers Federal Credit UnionCredit union Enfield, CT | 62 out of 100, Moderate | $72.4M | 9.5% | 0.99% | 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 |
Deposit insurance
Is my money safe at Torrington Municipal and Teachers Federal Credit Union?
Yes. Torrington Municipal and Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14003). 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 6.2% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Torrington Municipal and Teachers Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Torrington, CT (1)
- Winsted, CT (1)
Identity & history
Profile
- Legal name
- Torrington Municipal and Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14003
- RSSD ID
- 450388
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- 777 East Main St, Torrington, CT 06790
- Employees
- 19
Quick answers
Torrington Municipal and Teachers Federal Credit Union: common questions
Is Torrington Municipal and Teachers Federal Credit Union NCUA insured?
Yes. Torrington Municipal and Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14003). 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 Torrington Municipal and Teachers Federal Credit Union's TellerScore?
74 out of 100 (Strong), 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 Torrington Municipal and Teachers Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Torrington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT | 80 out of 100, Strong | $605K | 22.2% | 0.00% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |
| Membersfirst Ct Federal Credit UnionCredit union Meriden, CT | 79 out of 100, Strong | $107.2M | 12.0% | 0.32% | vs |
| United Business & Industry Federal Credit UnionCredit union Plainville, CT | 77 out of 100, Strong | $141.4M | 11.6% | 0.09% | vs |