Side-by-side · Q2 2026 data
UniBank for Savings vs Charter Oak Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Metric by metric
| Measure | UniBank for Savings | Charter Oak Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 85 (stronger) |
| Capital cushion | 38 | 75 (stronger) |
| Loan quality | 79 | 83 (stronger) |
| Earnings | 62 | 84 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 27th | 94th |
| Total assets | $3.1B | $1.7B |
| Deposits / shares | $2.6B | $1.5B |
| Capital ratio | 8.83% | 12.54% (stronger) |
| Problem loans | 0.62% | 0.50% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.06% | 1.60% (stronger) |
| Loans ÷ deposits | 82.4% | 57.9% (stronger) |
| Uninsured deposits | 29.4% | 6.5% (stronger) |
| Offices | 15 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | 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), UniBank for Savings 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.