Side-by-side · Q2 2026 data
Stafford 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 | Stafford Savings Bank | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 94th |
| Total assets | $507.0M | $1.7B |
| Deposits / shares | $202.3M | $1.5B |
| Capital ratio | 50.61% (stronger) | 12.54% |
| Problem loans | 0.56% | 0.50% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.07% |
| Return on assets | 8.23% (stronger) | 1.60% |
| Loans ÷ deposits | 32.3% (stronger) | 57.9% |
| Uninsured deposits | 8.6% | 6.5% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.8% |
Stafford Savings Bank has the higher TellerScore (95 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Stafford Savings Bank leads on 5 and Charter Oak Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.