Side-by-side · Q2 2026 data
Charter Oak Federal Credit Union vs Cranston Municipal Employees Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Credit union
Cranston Municipal Employees Credit Union
Cranston, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Charter Oak Federal Credit Union | Cranston Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 75 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 84 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 94th | 52nd |
| Total assets | $1.7B | $79.8M |
| Deposits / shares | $1.5B | $59.5M |
| Capital ratio | 12.54% | 18.53% (stronger) |
| Problem loans | 0.50% | 0.21% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.10% |
| Return on assets | 1.60% (stronger) | -0.67% |
| Loans ÷ deposits | 57.9% (stronger) | 82.6% |
| Uninsured deposits | 6.5% | 2.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Charter Oak Federal Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Charter Oak Federal Credit Union leads on 4 and Cranston Municipal Employees Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.