Side-by-side · Q2 2026 data
Tobacco Valley Teachers Federal Credit Union vs Charter Oak Federal Credit Union
Credit union
Tobacco Valley Teachers Federal Credit Union
Enfield, Connecticut · Under $100 million in assets
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | Tobacco Valley Teachers Federal Credit Union | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 85 (stronger) |
| Capital cushion | 45 | 75 (stronger) |
| Loan quality | 67 | 83 (stronger) |
| Earnings | 36 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 24th | 94th |
| Total assets | $72.4M | $1.7B |
| Deposits / shares | $65.4M | $1.5B |
| Capital ratio | 9.49% | 12.54% (stronger) |
| Problem loans | 0.99% | 0.50% (stronger) |
| Net charge-offs | 0.36% | 0.07% (stronger) |
| Return on assets | 0.40% | 1.60% (stronger) |
| Loans ÷ deposits | 23.8% (stronger) | 57.9% |
| Uninsured deposits | 3.2% (stronger) | 6.5% |
| Offices | 2 | 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 62). On the 7 directional measures above (where higher or lower is clearly better), Tobacco Valley Teachers Federal Credit Union leads on 2 and Charter Oak Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.