Side-by-side · Q2 2026 data
Charter Oak Federal Credit Union vs Southbridge Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Charter Oak Federal Credit Union | Southbridge Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 68 |
| Capital cushion | 75 (stronger) | 56 |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 84 (stronger) | 37 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 94th | 45th |
| Total assets | $1.7B | $242.4M |
| Deposits / shares | $1.5B | $212.5M |
| Capital ratio | 12.54% (stronger) | 10.62% |
| Problem loans | 0.50% | 0.23% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.16% |
| Return on assets | 1.60% (stronger) | 0.42% |
| Loans ÷ deposits | 57.9% (stronger) | 85.2% |
| Uninsured deposits | 6.5% (stronger) | 6.8% |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 27.8% |
Charter Oak Federal Credit Union has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Charter Oak Federal Credit Union leads on 6 and Southbridge Credit Union on 1. 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.