Side-by-side · Q2 2026 data
The Washington Trust Company, of Westerly vs Charter Oak Federal Credit Union
Bank
The Washington Trust Company, of Westerly
Westerly, Rhode Island · $1 billion – $10 billion
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | The Washington Trust Company, of Westerly | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 85 (stronger) |
| Capital cushion | 39 | 75 (stronger) |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 56 | 84 (stronger) |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 17th | 94th |
| Total assets | $6.6B | $1.7B |
| Deposits / shares | $5.4B | $1.5B |
| Capital ratio | 8.92% | 12.54% (stronger) |
| Problem loans | 0.78% | 0.50% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.90% | 1.60% (stronger) |
| Loans ÷ deposits | 95.0% | 57.9% (stronger) |
| Uninsured deposits | 27.1% | 6.5% (stronger) |
| Offices | 28 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.0% | 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), The Washington Trust Company, of Westerly 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.