Side-by-side · Q2 2026 data
Essex Bank vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Essex Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 79 (stronger) | 75 |
| Loan quality | 58 | 83 (stronger) |
| Earnings | 64 | 84 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 50th | 94th |
| Total assets | $536.6M | $1.7B |
| Deposits / shares | $447.9M | $1.5B |
| Capital ratio | 12.87% (stronger) | 12.54% |
| Problem loans | 1.27% | 0.50% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.10% | 1.60% (stronger) |
| Loans ÷ deposits | 81.7% | 57.9% (stronger) |
| Uninsured deposits | 15.6% | 6.5% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 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), Essex Bank leads on 2 and Charter Oak Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.