Torrington Municipal and Teachers
Torrington, CT · Charter 14003 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$93.6MAssets
$34.6MLoans
$84.8MShares
$8.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets (rank 214 of 1681).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1456 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.02%
Rank 579 of 1,683
Net Interest Margin
3.41%
Rank 1,193 of 1,683
Efficiency Ratio
77.39%
Rank 796 of 1,682
Equity / Assets
9.37%
Rank 1,456 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 579 / 1,683 | | |
| Return on Equity | 10.88% | 2.67% | 5.89% | 8.74% | Beats 87% | 214 / 1,681 | | |
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,193 / 1,683 | | |
| Efficiency Ratio | 77.39% | 68.91% | 78.20% | 86.93% | Beats 53% | 796 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 282 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,456 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,456 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.78% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,485 / 1,683 | | |
| Loans / Assets | 36.95% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,425 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |