B
Torrington Municipal & Teachers Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
9.28
Leverage
Ratio
9.29
Return On
Assets
1.10%
Total
Assets
87.13M
Capital
8.08M
Total
Deposits
78.99M
Net
Income
715.00K
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Weiss Ratings Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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Rating B
Asset Quality Index 9.80
Capitalization Index 6.80
Liquidity Index 6.00
Profitability Index 7.60
Stability Index 4.60
Company Info Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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NCUA Charter Number 2701
Phone Number (860) 489-2212
Website www.tmtfcu.org
Asset Quality Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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1-Year Asset Growth 7.57%
5-Year Asset Growth 9.99%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.24%
Non-Performing Loans to Loans 0.30%
Balance Sheet Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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Total Assets 87.13M
Total Deposits 78.99M
Capital and Reserves Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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Capital 8.08M
Leverage Ratio 9.29
Loan Loss Reserves to Loans 0.36%
Liquidity Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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Hot Money Ratio 8.80%
Liquidity Ratio 24.58%
Profitability Torrington Municipal & Teachers Federal Credit Union
Torrington, CT 		Click to
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5-Year Return on Average Assets 0.70%
Net Income 715.00K
Net Interest Spread 3.85%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 73.68%
Return on Assets 1.10%
Return on Equity 12.42%