Charter Oak Federal Credit Union

Credit UnionFCUWaterford, CT·Est. 1939·NCUA #3413Compare ⇄▤ Account brief

Total assets

$1.70B

▲ +2.3% YoY

Shares & deposits

$1.48B

▲ +2.3% YoY

Loans

$868.7M

▼ -5.7% YoY

Members

86,156

▼ -2.3% YoY

ROA (annualized)

1.72%

peers 0.71%

ROE (annualized)

13.92%

peers 6.28%

Peer comparison 450 credit unions with 1B-10B in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+2.3%	+5.1%	-2.8 pts
Share growth (YoY)	+2.3%	+4.9%	-2.6 pts
Loan growth (YoY)	-5.7%	+5.4%	-11.1 pts
ROA	1.72%	0.71%	+1.0 pts
ROE	13.9%	6.3%	+7.6 pts

ROA ranks in the 96th percentile of its peer group · Q1 2026

Profile

Established: 1939
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 6
Address: 1055 Hartford Tpke, Waterford, CT, 06385
NCUA charter #: 3413
RSSD ID: 595579
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$1.70B	$1.48B	$868.7M	$209.6M	$7.3M	1.72%	2.86%	0.31%	86,156
Q4 2025	$1.67B	$1.46B	$882.1M	$202.3M	$21.0M	1.25%	2.70%	0.44%	88,473
Q3 2025	$1.64B	$1.43B	$894.1M	$197.5M	$16.1M	1.31%	2.69%	0.47%	88,364
Q2 2025	$1.67B	$1.46B	$904.5M	$192.3M	$10.9M	1.31%	2.56%	0.53%	88,178
Q1 2025	$1.66B	$1.45B	$921.2M	$188.3M	$6.9M	1.67%	2.45%	0.45%	88,152
Q4 2024	$1.60B	$1.41B	$920.8M	$181.4M	$15.3M	0.95%	2.37%	0.33%	88,527
Q3 2024	$1.58B	$1.39B	$928.7M	$177.5M	$11.3M	0.96%	2.36%	0.22%	88,138
Q2 2024	$1.60B	$1.41B	$920.3M	$174.2M	$8.0M	1.00%	2.27%

Signals what changed in the call reports

Members down·Members -2.3% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans down·Loans -5.7% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (1)

Efficiency ratio 64.0%, worse 3 quarters runningQ4 2025

Ratio pack Q1 2026 · peer medians from 450 institutions

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.72%	0.71%	96th
Return on equity Annualized net income ÷ equity or net worth	13.9%	6.3%	97th
Net interest margin Interest income − interest expense, ÷ assets	2.86%	3.32%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%