TellerScore

Headquartered in Waterford, Connecticut, Charter Oak Federal Credit Union is a federal credit union with $1.7B in total assets and $1.5B in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1939.

Charter Oak Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 454 credit unions with $1 billion – $10 billion. Among 64 credit unions headquartered in Connecticut, it ranks 10th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 6% uninsured); capital cushion contributes the least (75/100, 12.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.54%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity100/100
Loans ÷ shares: 57.9% · 6.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (79 → 85), mostly because the earnings component improved by 11 points.

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202477
Q1 202582
Q2 202579
Q3 202581
Q4 202581
Q1 202687
Q2 202685
Net worth ratio
7.00%9.77%12.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.86%
Q3 202411.23%
Q4 202411.34%
Q1 202511.33%
Q2 202511.54%
Q3 202512.05%
Q4 202512.10%
Q1 202612.33%
Q2 202612.54%
Delinquent loans (60+ days)
0.22%0.38%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.22%
Q4 20240.33%
Q1 20250.45%
Q2 20250.53%
Q3 20250.47%
Q4 20250.44%
Q1 20260.31%
Q2 20260.50%
Return on assets
0.95%1.34%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.96%
Q4 20240.95%
Q1 20251.67%
Q2 20251.31%
Q3 20251.31%
Q4 20251.25%
Q1 20261.72%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$1.7B12.54%0.50%1.60%57.9%
Q1 202687$1.7B12.33%0.31%1.72%58.5%
Q4 202581$1.7B12.10%0.44%1.25%60.5%
Q3 202581$1.6B12.05%0.47%1.31%62.4%
Q2 202579$1.7B11.54%0.53%1.31%62.2%
Q1 202582$1.7B11.33%0.45%1.67%63.5%
Q4 202477$1.6B11.34%0.33%0.95%65.2%
Q3 202477$1.6B11.23%0.22%0.96%66.9%
Q2 202475$1.6B10.86%0.42%1.00%65.2%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.54%
74th
Problem loans0.50%
69th
Net charge-offs0.07%
96th
Return on assets1.60%
95th
Loans to deposits57.9%
94th
Uninsured deposits6.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
87th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
Connex Credit UnionCredit union North Haven, CT59 out of 100, Moderate$1.1B9.4%0.56%vs
Connecticut State Employees Credit UnionCredit union Hartford, CT69 out of 100, Moderate$2.7B8.7%0.21%vs
American Eagle Financial Credit UnionCredit union East Hartford, CT66 out of 100, Moderate$2.8B9.9%0.57%vs

Deposit insurance

Is my money safe at Charter Oak Federal Credit Union?

Yes. Charter Oak Federal Credit Union is a federally insured credit union (NCUA charter #3413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.5% of shares and deposits ($96.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Charter Oak Federal Credit Union lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Charter Oak Federal Credit Union reported 1,005 home-loan applications under HMDA (LEI 254900HJA1Y85EJCGB90): 762 originated ($141,320,000 total), 134 denied, and 97 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Charter Oak Federal Credit Union
Type
Federal credit union
NCUA charter #
3413
RSSD ID
595579
Primary regulator
NCUA
Established
1939
Headquarters
1055 Hartford Tpke, Waterford, CT 06385
Employees
198

Quick answers

Charter Oak Federal Credit Union: common questions

Is Charter Oak Federal Credit Union NCUA insured?

Yes. Charter Oak Federal Credit Union is a federally insured credit union (NCUA charter #3413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Charter Oak Federal Credit Union's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Charter Oak Federal Credit Union have?

9 offices as of the latest NCUA data.