credit union

Tobacco Valley Teachers

Q: Is Tobacco Valley Teachers a good credit union?

Tobacco Valley Teachers earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (9.4% capital ratio); Unprofitable over the period (ROA -0.23%).

Q: Is Tobacco Valley Teachers NCUA-insured?

Yes. Tobacco Valley Teachers is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

Q: How big is Tobacco Valley Teachers?

Tobacco Valley Teachers holds $71 million in total assets, ranking 56th of 64 credit unions we track in Connecticut. It serves 3,194 members.

Q: Does Tobacco Valley Teachers have CFPB complaints?

No CFPB complaints against Tobacco Valley Teachers appear in our data over the analysis window, which is typical for a credit union of this size.

Enfield, CT · Est. 1936

Trust Grade

Average

Score: 78/100

Tobacco Valley Teachers is a credit union based in Enfield, Connecticut, established in 1936, with $71 million in total assets serving 3,194 members. By Trust Grade it ranks 56th of 64 credit unions we track in Connecticut. Its net worth ratio of 9.4% trails most similarly sized credit unions (13th percentile), versus a Connecticut median of 11.2%. It posted a loss over the most recent period (-0.23% return on assets), a point to watch. No consumer complaints against Tobacco Valley Teachers appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$71.3M

<$100M institution

Members

3,194

Shares & deposits

—

Net worth ratio

9.4%

Bottom 13% of <$100M peers · Connecticut median 11.2%

Return on assets

-0.2%

Bottom 17% of <$100M peers · Connecticut median 0.64%

Rank in Connecticut

#56

of 64 credit unions

How Tobacco Valley Teachers compares to Connecticut peers

Net worth ratio

Bottom 13% of <$100M peers

Tobacco Valley

9.4%

Connecticut median

11.2%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 17% of <$100M peers

Tobacco Valley

-0.2%

Connecticut median

0.6%

Higher ROA = more profitable relative to asset base

How we graded Tobacco Valley Teachers

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

78/100

Customer experience

n/a

Overall

C · 78

Well-capitalized (9.4% capital ratio)
Unprofitable over the period (ROA -0.23%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Tobacco Valley Teachers over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Tobacco Valley Teachers insured?

Yes. Tobacco Valley Teachers is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.