Side-by-side · Q2 2026 data
Dime Bank vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Dime Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 68 | 75 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 58 | 84 (stronger) |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 66th | 94th |
| Total assets | $1.2B | $1.7B |
| Deposits / shares | $933.5M | $1.5B |
| Capital ratio | 11.76% | 12.54% (stronger) |
| Problem loans | 0.20% (stronger) | 0.50% |
| Net charge-offs | 0.32% | 0.07% (stronger) |
| Return on assets | 0.95% | 1.60% (stronger) |
| Loans ÷ deposits | 100.2% | 57.9% (stronger) |
| Uninsured deposits | 26.0% | 6.5% (stronger) |
| Offices | 14 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.3% | 14.8% |
Charter Oak Federal Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Dime Bank leads on 1 and Charter Oak Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Norwich, CT
- Uncasville, CT