BlastPoint's Credit Union Scorecard
TORRINGTON MUNICIPAL AND TEACHERS
Charter #14003 · CT
TORRINGTON MUNICIPAL AND TEACHERS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 1.0% in tier
- + Total Deposits: Top 1.0% in tier
- + Total Assets: Top 2.0% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits +6.9% year over year ($84.8M in shares and deposits).
- Membership: 10,949 members, +1.6% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 1.03%.
- Efficiency ratio 77.35% vs a 88.77% peer average.
- Loan-to-share ratio 40.78% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,949
+1.6% YoY+0.8% QoQ
|
+8.4K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 1.0% in tier |
| Assets |
$93.6M
+7.4% YoY+2.9% QoQ
|
+$63.3M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Top 2.1% in tier |
| Loans |
$34.6M
+2.0% YoY+1.5% QoQ
|
+$19.1M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Top 13.6% in tier |
| Deposits |
$84.8M
+6.9% YoY+2.8% QoQ
|
+$59.0M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Top 1.1% in tier |
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| ROA |
1.0%
+14.2% YoY+9.1% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.5%
+4.1% YoY-0.4% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
77.4%
+0.4% YoY-2.7% QoQ
|
-11.4% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.1%
-87.8% YoY-27.3% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
40.8%
-4.7% YoY-1.3% QoQ
|
-18.1% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$10,904
+3.8% YoY+1.6% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
18.8%
+14.0% YoY+0.1% QoQ
|
-5.7% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)