Side-by-side · Q2 2026 data
Jewett City Savings Bank vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Jewett City Savings Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 94 (stronger) | 75 |
| Loan quality | 66 | 83 (stronger) |
| Earnings | 33 | 84 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $493.9M | $1.7B |
| Deposits / shares | $400.6M | $1.5B |
| Capital ratio | 14.41% (stronger) | 12.54% |
| Problem loans | 1.01% | 0.50% (stronger) |
| Net charge-offs | 0.91% | 0.07% (stronger) |
| Return on assets | 0.32% | 1.60% (stronger) |
| Loans ÷ deposits | 100.5% | 57.9% (stronger) |
| Uninsured deposits | 11.9% | 6.5% (stronger) |
| Offices | 7 | 9 |
| 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 69). On the 7 directional measures above (where higher or lower is clearly better), Jewett City Savings 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
- Dayville, CT