Side-by-side · Q2 2026 data
Shoreham Bank vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Shoreham Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 85 (stronger) |
| Capital cushion | 57 | 75 (stronger) |
| Loan quality | 63 | 83 (stronger) |
| Earnings | 45 | 84 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 84 | 96 (stronger) |
| Peer percentile | 16th | 94th |
| Total assets | $534.8M | $1.7B |
| Deposits / shares | $420.5M | $1.5B |
| Capital ratio | 10.65% | 12.54% (stronger) |
| Problem loans | 1.12% | 0.50% (stronger) |
| Net charge-offs | 0.89% | 0.07% (stronger) |
| Return on assets | 0.63% | 1.60% (stronger) |
| Loans ÷ deposits | 109.1% | 57.9% (stronger) |
| Uninsured deposits | 10.9% | 6.5% (stronger) |
| Offices | 3 | 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 58). On the 7 directional measures above (where higher or lower is clearly better), Shoreham Bank leads on 0 and Charter Oak Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.