Side-by-side · Q2 2026 data
Charter Oak Federal Credit Union vs Sikorsky Financial Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Charter Oak Federal Credit Union | Sikorsky Financial Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 84 |
| Capital cushion | 75 | 79 (stronger) |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 84 (stronger) | 77 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 94th | 93rd |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.5B | $1.3B |
| Capital ratio | 12.54% | 12.93% (stronger) |
| Problem loans | 0.50% | 0.25% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.11% |
| Return on assets | 1.60% (stronger) | 1.42% |
| Loans ÷ deposits | 57.9% (stronger) | 82.6% |
| Uninsured deposits | 6.5% | 4.7% (stronger) |
| Offices | 9 | 11 |
| 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 84). On the 7 directional measures above (where higher or lower is clearly better), Charter Oak Federal Credit Union leads on 4 and Sikorsky Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.