、。
I wouldn't quite call her stingy, but she's very thrifty.
Literal
She [topic-は] stingy [quotative-と] [contrast-は] not-saying-even-if, very thrifty.
The hedging frame uses とは言わないまでも (with contrastive は inserted into the quotative と), which makes the qualifier a touch more pointed — 'not going as far as to say *that* (that she's stingy).' The は singles out the けち label as something the speaker is specifically holding back from applying. つましい is the native-Japanese counterpart to 倹約 (Sino-Japanese): a soft, almost sympathetic word for 'modest in living, frugal in a quiet way' — used affectionately of households making ends meet without complaint, often in older or literary writing.