Federal credit union · TORRINGTON, Connecticut · NCUA charter #14003

Torrington Municipal and Teachers

Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

90
Health / 100
$89.5M
Total assets
10,967
Members
9.3%
Net-worth ratio

Torrington Municipal and Teachers - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14003. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Torrington Municipal and Teachers Share insurance under NCUSIF covers up to $250,000 per share owner. Torrington Municipal and Teachers holds approximately $81.2M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 9.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 9.3% · $81.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Torrington Municipal and Teachers - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 9.27% 30% weight
  • Asset quality (delinquency) 0.20% 25% weight
  • Earnings (ROA) 0.64% 15% weight
  • Member growth 2.52% 15% weight
  • Liquidity (loan-to-share) 43% 15% weight

Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 61.8%

This credit union's 9.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$89.5M
Total Assets
10,967
Members
$34.7M
Total Loans
$81.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 9.27% 30%
Delinquency Rate 0.20% 25%
Return on Assets 0.64% 15%
Member Growth 2.52% 15%
Loan-to-Share Ratio 42.71% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $89.5M 10,967
2024Q4 $82.8M 10,697
2023Q4 $75.2M 10,414

Credit Union Details

Charter Number
14003
Type
Federal
Field of Membership
Community
Peer Group
$50M–$100M
State
Connecticut
City
TORRINGTON
Data Quarter
2025Q4

What This Data Says About Torrington Municipal and Teachers

10,967 members and $89.5M in total assets sit behind Torrington Municipal and Teachers, a federal credit union in TORRINGTON, Connecticut, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $34.7M in outstanding loans as of Q4 2025 and a net worth ratio of 9.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #14003 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.

Two more numbers round out the picture: a 0.20% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 42.71% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.64% on net income of $575K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 2.52%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

Nearby Credit Unions in Connecticut

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Compare Torrington Municipal and Teachers vs RIVERBANK

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Torrington Municipal and Teachers financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Torrington Municipal and Teachers carries a financial health score of 90/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.27% net worth ratio and a 0.20% delinquency rate.

How does Torrington Municipal and Teachers compare to other credit unions?

PlainCU's health composite puts Torrington Municipal and Teachers at 90/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Torrington Municipal and Teachers?

Torrington Municipal and 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 Torrington Municipal and Teachers directly for the exact boundaries and application steps.

Is my money safe at Torrington Municipal and Teachers?

Federal credit unions like Torrington Municipal and 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. Torrington Municipal and Teachers's net worth ratio of 9.27% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Torrington Municipal and Teachers offer compared to banks?

Credit unions like Torrington Municipal and 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 Torrington Municipal and Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.