Federal credit union · Enfield, Connecticut · NCUA charter #1077
Tobacco Valley Teachers
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $67.8M
- Total assets
- 3,226
- Members
- 9.4%
- Net-worth ratio
Tobacco Valley Teachers scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.8M; members 3,226; net-worth ratio 9.37%; health rank #3,777 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,777 of 4,374 health · 2025Q4Tobacco Valley Teachers · health 67/100 · $67.8M · 2025Q4
- NW 67/100
- DELQ 9.4%
- ROA 1.86%
- ASSETS 0.66%
- MEM $67.8M
- RANK 3,226
- PHOTO #3,777/4,374
- BOOK PATHFINDER
- CHARTER 1077
Call Report peers
Tobacco Valley Teachers in the assets neighbourhood
Tobacco Valley Teachers's $67.8M assets sit next to PATHFINDER ($67.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tobacco Valley Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Tobacco Valley Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1077 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Tobacco Valley Teachers vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.00 pp (0.66% vs 0.66%).
- Loan-to-Share Ratio trails the peer set - 26.40% here, 62.60% peer average (-36.20 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Tobacco Valley Teachers sits in Connecticut
- In Connecticut, health place is #50 of 64 on the same NCUA-ratio sort used nationally.
- Connecticut assets place: #26 of 64.
- Connecticut membership ordinal: #34 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Tobacco Valley Teachers
Tobacco Valley Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $67.8M (2025Q4) to $71.3M (2026Q1).
- Net-worth ratio shifted -0.54 pp (9.91% → 9.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 13.6 pts
- Return on Assets 15.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 8.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.37% | -4.25 pp |
| Delinquency Rate | 1.86% | +0.89 pp |
| Return on Assets | 0.66% | +0.00 pp |
| Member Growth | -4.10% | - |
| Loan-to-Share Ratio | 26.40% | -36.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.3M | - |
| 2025Q4 | $67.8M | 3,226 |
| 2024Q4 | $66.4M | 3,364 |
| 2023Q4 | $63.1M | 3,509 |
Credit Union Details
- Charter Number
- 1077
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Enfield
- Data Quarter
- 2025Q4
Branch Locations (2)
Tobacco Valley Teachers operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tobacco Valley Teachers FCU (Main Office) | Enfield, CT |
| Portico/Fiserv Tech | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Tobacco Valley Teachers nationwide neighbourhoods
Two NCUA Call Report peer sets for Tobacco Valley Teachers, both outside Connecticut so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Tobacco Valley Teachers ranks #3,777 of 4,374 nationally on financial health and #50 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Franklin Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Franklin Trust
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Tobacco Valley Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tobacco Valley Teachers carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,777 of 4,374; by total assets it ranks #2,162 of 4,374 nationally (same basis as /rankings/largest); and #26 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.37% net worth ratio and a 1.86% delinquency rate.
How does Tobacco Valley Teachers compare to other credit unions?
Tobacco Valley Teachers scores 67/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Tobacco Valley Teachers?
Tobacco Valley Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Tobacco Valley Teachers directly for the exact boundaries and application steps.
Is my money safe at Tobacco Valley Teachers?
Federal credit unions like Tobacco Valley Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Tobacco Valley Teachers's net worth ratio of 9.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tobacco Valley Teachers offer compared to banks?
Credit unions like Tobacco Valley Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tobacco Valley Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.