Federal credit union · TORRINGTON, Connecticut · NCUA charter #14003
Torrington Municipal and Teachers
Health score 90/100, grade A (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 scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.5M; members 10,967; net-worth ratio 9.35%; health rank #1,159 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,159 of 4,374 health · 2025Q4Torrington Municipal · health 90/100 · $89.5M · 2025Q4
Call Report peers
Torrington Municipal and Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Torrington Municipal and Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Torrington Municipal and Teachers sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Torrington Municipal and Teachers diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.76 pp (0.20% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.89 pp (42.71% vs 62.60%).
Connecticut standing for Torrington Municipal and Teachers
- Health composite ranks #11 of 64 among scored Connecticut credit unions.
- Connecticut assets place: #22 of 64.
- Member book place in Connecticut: #18 of 64.
- One place up in Connecticut, America's First Network (#10) scores 91/100, 1 point higher; one place down, Manchester Municipal (#12) ties at 90/100.
Torrington Municipal and Teachers: 2025Q4 → 2026Q1
Torrington Municipal and Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $89.5M (2025Q4) to $91.0M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.27% → 9.35%).
This credit union's 9.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Torrington Municipal and Teachers gives up 10 points in total. Loan-to-Share Ratio costs the most, 5.2 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 9.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.35% | -4.27 pp |
| Delinquency Rate | 0.20% | -0.76 pp |
| Return on Assets | 0.64% | -0.02 pp |
| Member Growth | 2.52% | - |
| Loan-to-Share Ratio | 42.71% | -19.89 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Torrington Municipal and Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.0M | - |
| 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
Branch Locations (3)
Torrington Municipal and Teachers operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Torrington, CT |
| Torrington High School | Torrington, CT |
| Winsted Branch | Winsted, CT |
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.
Torrington Municipal and Teachers nationwide neighbourhoods
Similar total assets
Using this data
- Torrington Municipal and Teachers ranks #1,159 of 4,374 nationally on financial health and #11 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERBANK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERBANK
Frequently Asked Questions
Is Torrington Municipal and Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Torrington Municipal and Teachers scores 90/100 (Excellent), with a 9.35% net worth ratio and 0.20% of loans delinquent. It ranks #1,159 of 4,374 nationally on health and #11 of 64 in Connecticut.
How does Torrington Municipal and Teachers compare to other credit unions?
Torrington Municipal and Teachers scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.20% vs 0.96%). Its widest shortfall is loan-to-share ratio (42.71% vs 62.60%).
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?
Torrington Municipal and Teachers is a federal credit union; its shares are federally 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 9.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.