BlastPoint's Credit Union Scorecard
TORRINGTON MUNICIPAL AND TEACHERS
Charter #14003 · CT
TORRINGTON MUNICIPAL AND TEACHERS demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.8% in tier
- + Total Deposits: Top 3.0% in tier
- + Total Assets: Top 4.7% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,909
+2.9% YoY+1.2% QoQ
|
+8.3K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Top 0.8% in tier |
| Assets |
$87.1M
+7.6% YoY+0.0% QoQ
|
+$57.3M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Top 4.7% in tier |
| Loans |
$34.1M
+2.5% YoY+0.6% QoQ
|
+$18.4M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Top 14.6% in tier |
| Deposits |
$79.0M
+7.2% YoY-0.4% QoQ
|
+$53.5M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
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| ROA |
1.1%
+55.8% YoY+20.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.4%
+9.1% YoY+3.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
73.7%
-10.6% YoY-4.4% QoQ
|
-7.7% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-32.8% YoY-74.1% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
43.2%
-4.4% YoY+1.0% QoQ
|
-18.0% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$10,369
+2.8% YoY-1.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
18.2%
+11.9% YoY+10.1% QoQ
|
-6.2% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)