BlastPoint's Credit Union Scorecard
TORRINGTON MUNICIPAL AND TEACHERS
Charter #14003 · CT
TORRINGTON MUNICIPAL AND TEACHERS demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.7% in tier
- + Total Deposits: Top 2.4% in tier
- + Total Assets: Top 4.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,967
+2.5% YoY+0.5% QoQ
|
+8.4K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 0.8% in tier |
| Assets |
$89.5M
+8.1% YoY+2.7% QoQ
|
+$59.4M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 4.1% in tier |
| Loans |
$34.7M
+3.4% YoY+1.6% QoQ
|
+$18.9M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.3% in tier |
| Deposits |
$81.2M
+7.7% YoY+2.8% QoQ
|
+$55.5M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.5% in tier |
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| ROA |
1.0%
+49.2% YoY-4.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.4%
+9.2% YoY+0.2% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
75.4%
-8.6% YoY+2.3% QoQ
|
-7.1% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.2%
-14.9% YoY-31.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
42.7%
-4.0% YoY-1.1% QoQ
|
-17.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$10,562
+3.8% YoY+1.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
18.9%
+11.2% YoY+3.9% QoQ
|
-5.5% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)