Federal credit union · WATERFORD, Connecticut · NCUA charter #3413
Charter Oak
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.67B
- Total assets
- 88,473
- Members
- 12.3%
- Net-worth ratio
Charter Oak scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.67B; members 88,473; net-worth ratio 12.33%; health rank #778 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#778 of 4,374 health · 2025Q4Charter Oak · health 92/100 · $1.67B · 2025Q4
Call Report peers
Charter Oak in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Charter Oak vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Charter Oak sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Charter Oak
- Largest favorable gap: Net Worth Ratio at 12.33% vs peer 11.18% (+1.15 pp).
- Largest lag: Loan-to-Share Ratio at 60.46% vs peer 83.90% (-23.44 pp).
Charter Oak in Connecticut
- Health composite ranks #8 of 64 among scored Connecticut credit unions.
- Connecticut assets place: #3 of 64.
- Member book place in Connecticut: #2 of 64.
- One place up in Connecticut, Dutch Point (#7) scores 93/100, 1 point higher; one place down, Nutmeg State Financial (#9) ties at 92/100.
Charter Oak: 2025Q4 → 2026Q1
Charter Oak: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $1.67B (2025Q4) to $1.70B (2026Q1).
- Net-worth ratio shifted +0.23 pp (12.10% → 12.33%).
12.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Charter Oak gives up 8 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 13.1 pts
Charter Oak vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.33% | +1.15 pp |
| Delinquency Rate | 0.44% | -0.43 pp |
| Return on Assets | 0.91% | +0.41 pp |
| Member Growth | -0.06% | - |
| Loan-to-Share Ratio | 60.46% | -23.44 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Charter Oak filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.70B | - |
| 2025Q4 | $1.67B | 88,473 |
| 2024Q4 | $1.60B | 88,527 |
| 2023Q4 | $1.55B | 87,726 |
Credit Union Details
- Charter Number
- 3413
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Connecticut
- City
- WATERFORD
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for Charter Oak, spread across 11 cities.
| Office | City |
|---|---|
| Waterford Headquarters (Main Office) | Waterford, CT |
| Dayville | Dayville, CT |
| Killingly High School | Dayville, CT |
| Chicago Avenue | Groton, CT |
| Fitch High School | Groton, CT |
| Mystic | Mystic, CT |
| EB/New London | New London, CT |
| Niantic | Niantic, CT |
| Norwich | Norwich, CT |
| Pawcatuck | Pawcatuck, CT |
| Putnam | Putnam, CT |
| Montville | Uncasville, CT |
| Mohegan Sun | Uncasville, CT |
| Waterford | Waterford, CT |
| Willimantic | Willimantic, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Cross-state Call Report peers for Charter Oak
Using this data
- Charter Oak ranks #778 of 4,374 nationally on financial health and #8 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sikorsky Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sikorsky Financial
Frequently Asked Questions
Is Charter Oak financially healthy?
Charter Oak has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #778 of 4,374 nationally on health and #8 of 64 in Connecticut. Its net worth ratio is 12.33% and its delinquency rate 0.44%.
How does Charter Oak compare to other credit unions?
Charter Oak scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.33% vs 11.18%). Its widest shortfall is loan-to-share ratio (60.46% vs 83.90%).
How can I join Charter Oak?
Charter Oak operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Charter Oak directly for the exact boundaries and application steps.
Is my money safe at Charter Oak?
Charter Oak is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Charter Oak's net worth ratio of 12.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.