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Credit union call report ยท Torrington, CT

Torrington Municipal & Teachers Federal Credit Union Call Report

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Torrington Municipal & Teachers Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 249 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Torrington Municipal & Teachers Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number14003
Federal Reserve RSSD ID450388

The official copy: search charter number 14003 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Torrington Municipal & Teachers Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Torrington Municipal & Teachers Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $1.0M
1c. Total Cash on Hand 730A $1.0M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5.5M
2c. Cash on Deposit in Other Financial Institutions 730B2 $100K
2. Cash on Deposit (total) 730B $5.6M
3. Time Deposits in Banks and Credit Unions AS0007 $49.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $56.5M
12b. Perpetual Contributed Capital 769B $152K
13. TOTAL OTHER INVESTMENTS AS0017 $152K
15a. Number of Total Loans and Leases 025A 2,802
15b. Total Loans and Leases 025B $34.6M
17. ACL on Loans and Leases AS0048 $107K
19. Land and Building 007 $620K
20. Other Fixed Assets 008 $105K
21. NCUA Share Insurance Capitalization Deposit 794 $771K
22d. Accrued Interest on Loans 009A $89K
22e. Accrued Interest on Investments 009B $140K
22f. All Other Assets 009C $743K
22g. Total Other Assets AS0036 $971K
23. TOTAL ASSETS 010 $93.6M
Accounts Payable and Other Liabilities 825 $24K
Member Shares of All Types 013 $84.8M
Total Shares and Deposits 018 $84.8M
Undivided Earnings 940 $8.3M
Net Income (equity) 602 $477K
Total Net Worth 997 $8.8M
Net Worth Ratio 998 9.37%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $93.6M
Statement of Income and Expense (23 items)
Torrington Municipal & Teachers Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.1M
3. Income from Investments 120 $953K
5. TOTAL INTEREST INCOME 115 $2.1M
6. Dividends on Shares 380 $459K
8. Interest on Borrowed Money 340 $60
9. TOTAL INTEREST EXPENSE 350 $459K
10. NET INTEREST INCOME IS0010 $1.6M
12a. Credit Loss Expense - Loans and Leases IS0011 $2K
12e. Total Credit Loss Expense IS0017 $2K
13. Fee Income 131 $239K
22. Other Non-Operating Income 440 $280K
23. TOTAL NON-INTEREST INCOME 117 $519K
24. Employee Compensation and Benefits 210 $704K
25. Travel and Conference 230 $15K
26. Office Occupancy 250 $123K
27. Office Operations 260 $204K
28. Educational and Promotional 270 $26K
29. Loan Servicing 280 $69K
30. Professional and Outside Services 290 $482K
32. Operating Fees 320 $7K
33. Miscellaneous Operating Expense 360 $5K
34. TOTAL NON-INTEREST EXPENSE 671 $1.6M
35. NET INCOME 661A $477K
Statement pages - all other filed accounts (22 items)

delinquency (21%), credit cards (21%)

Torrington Municipal & Teachers Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $98K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $25K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3K
Loans Granted Year-to-Date 031A $66
Amount of Loans Granted Year-to-Date 031B $6.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $49K
Number of current members (not number of accounts) 083 10,949
Number of potential members 084 185,000
Interest Rate of Unsecured Credit Card Loans 521 1,190.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,300.00%
Interest Rate of New Vehicle Loans 523 499.00%
Interest Rate of Used Vehicle Loans 524 599.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $70K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $43K
Total Amount of All Other Shares 630 $3.7M
Amount of Regular Shares 657 $32.6M
Amount of Share Drafts 902 $13.5M
IRA/KEOGH Accounts - < 1 Year 906A $2.9M
Share Certificates - < 1 Year 908A $15.8M
Total Amount of Share Certificates 908C $16.0M
Total Amount of Money Market Shares 911 $16.0M
Number of Used Vehicle Loans 968 831
NCUA data file FS220A (25 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $84.5M
Total Shares - 1-3 Years 013B1 $197K
Total Shares - > 3 Years 013B2 $124K
Total Shares and Deposits - < 1 Year 018A $84.5M
Total Shares and Deposits - 1-3 Years 018B1 $197K
Total Shares and Deposits - > 3 Years 018B2 $124K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 8
Effective date of last audit 063 $72K
Amount of Used Vehicle Loans 370 $12.3M
Amount of New Vehicle Loans 385 $6.6M
Amount of Unsecured Credit Card Loans 396 $630K
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.7M
Share Certificates 451 $580
Number of Accounts for Share Drafts 452 6,721
IRA/KEOGH Accounts 453 $274
Number of Accounts for Regular Shares 454 12,880
All other shares 455 $1K
Money Market Shares 458 $606
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 22,322
Number of credit union employees who are Full-Time (26 hours or more) 564A 16
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 3
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $785K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,628.00%
Total credit lines 881 $7.6M
High School Number of Branches PP0031 $1
NCUA data file FS220B (24 items)

maturity and repricing buckets (40%), credit cards (17%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $293
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $293
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $5.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $5.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $79.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $3.7M
Amount of Regular Shares - < 1 Year 657A $32.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $5K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Amount of Share Drafts - < 1 Year 902A $13.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $70K
IRA/KEOGH Accounts - > 3 Years 906B2 $50K
Total Amount of IRA/KEOGH Accounts 906C $3.0M
Share Certificates - 1-3 Years 908B1 $127K
Share Certificates - > 3 Years 908B2 $75K
Money Market Shares - < 1 Year 911A $16.0M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $113K
Number of New Vehicle Loans 958 212
Total Shares 966 $22K
Number of Unsecured Credit Card Loans 993 783
Number of All Other Unsecured Loans/Lines of Credit 994 609
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 8
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $7.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $965K
Outstanding balance of brokered certificates of deposit and share certificates 788 $49.4M
NCUA data file FS220D (25 items)

member services and products offered (69%), CUSO relationships (27%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Education 879B2 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
High School PP0030 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

loans and leases (32%), participation loans (18%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $7.6M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.0M
NCUA data file FS220I (10 items)

vehicle lending (59%), delinquency (44%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $36K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $49K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $24K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $29K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of New Vehicle Loans YTD Recoveries 551C1 $840
Amount of Used Vehicle Loans YTD Recoveries 551C2 $23K
Commercial Share Accounts 643 $3.6M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $56K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $34.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $6.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 730.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 600.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 600.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.0M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $3.8M
NCUA data file FS220M (6 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $807K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.2M
Total Unfunded Commitments for Non-Commercial Loans 816T $3.0M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 41
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 153
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 173
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $84.8M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $37K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $93.6M
NCUA data file FS220P (13 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $26K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $15K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $16K
All Other Unsecured Loans/Lines of Credit DL0022 $9K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $9K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $3
Used Vehicle Loans DL0037 $5K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $10K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $10K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $24K
Amount of Consumer Loans in Non-Accrual Status DL0145 $24K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $13.1M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $24.3M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $12.4M
Investment Maturity Distribution - Time Deposits - Total NV0116 $49.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $152K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $152K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $24.5M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $12.4M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $50.0M
RBC Total Equity RB0001 $8.8M
RBC Allowance for Credit Losses RB0002 $107K
RBC Total Additions RB0005 $107K
RBC Total Deductions RB0009 $771K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $8.1M
RBC Risk-Based Capital Numerator RB0012 $8.1M
NCUA data file FS220R (37 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $152K
RBC Schedule Total Consumer Loans RB0060 $24.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $107K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $107K
RBC Schedule Total Loans RB0079 $34.5M
RBC Total for Risk Weighting Total Loans RB0081 -$107K
RBC Total Loans 0% Weight RB0082 -$107K
RBC Schedule Total Other Assets RB0088 $2.5M
RBC Total for Risk Weighting Other Assets RB0090 $771K
RBC Other Assets 0% Weight RB0091 $771K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $93.6M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $664K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $664K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $93.6M
RBC Allowance for Credit Losses (Loans) RB0177 $107K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 1,661,932.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 75,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 27.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 2,094,965.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 863,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $3.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $938K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 101.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 3,066,507.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 196,800.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 52.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 3,468,491.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 615,823.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $6.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $813K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $194
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $10.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.8M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $3.8M
Total Shares SH0013 $84.8M
Total Shares and Deposits SH0018 $84.8M
NCUA data file FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Torrington Municipal & Teachers Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1

Torrington Municipal & Teachers Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Torrington Municipal & Teachers Federal Credit Union call report?

The Torrington Municipal & Teachers Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Torrington Municipal & Teachers Federal Credit Union file?

Torrington Municipal & Teachers Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Torrington Municipal & Teachers Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Torrington Municipal & Teachers Federal Credit Union is 14003.

How often does Torrington Municipal & Teachers Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Torrington Municipal & Teachers Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.