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
- MEM 92/100
- RANK 12.3%
- PHOTO 0.44%
- BOOK 0.91%
- CHARTER $1.67B
- NCUSIF 88,473
- CAMELS #778/4,374
- HEALTH GREYLOCK
- NW 3413
Call Report peers
Charter Oak in the assets neighbourhood
Charter Oak's $1.67B assets sit next to GREYLOCK ($1.67B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Charter Oak - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3413 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Charter Oak: 2025Q4 → 2026Q1
Charter Oak: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $1.67B (2025Q4) to $1.70B (2026Q1).
- Net-worth ratio shifted +0.23 pp (12.10% → 12.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Charter Oak's nationwide photo peers by assets and by health score, excluding Connecticut charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.67B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Charter Oak financially healthy?
A 12.33% net worth ratio and a 0.44% delinquency rate feed into Charter Oak's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #778 of 4,374; by total assets it ranks #296 of 4,374 nationally (same basis as /rankings/largest); and #3 of 64 within Connecticut. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Charter Oak compare to other credit unions?
Five weighted metrics from NCUA filings produce Charter Oak's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Charter Oak are 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."
What rates does Charter Oak offer compared to banks?
Credit unions like Charter Oak are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Charter Oak directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.