Side-by-side · Q2 2026 data
Chelsea Groton Bank vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Chelsea Groton Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 76 | 84 (stronger) |
| Funding & liquidity | 42 | 100 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 93rd | 94th |
| Total assets | $1.8B | $1.7B |
| Deposits / shares | $1.2B | $1.5B |
| Capital ratio | 16.73% (stronger) | 12.54% |
| Problem loans | 0.48% (stronger) | 0.50% |
| Net charge-offs | -0.00% (stronger) | 0.07% |
| Return on assets | 1.39% | 1.60% (stronger) |
| Loans ÷ deposits | 110.4% | 57.9% (stronger) |
| Uninsured deposits | 22.4% | 6.5% (stronger) |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | 14.8% |
Charter Oak Federal Credit Union has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Chelsea Groton Bank leads on 3 and Charter Oak Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Groton, CT
- Norwich, CT
- Niantic, CT
- Pawcatuck, CT
- Waterford, CT