Charter Oak
Waterford, CT · Charter 3413 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.7BAssets
$868.3MLoans
$1.5BShares
$216.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions $1B-$10B in assets (rank 25 of 435).
- Widest gap: net interest margin trails 83% of credit unions $1B-$10B in assets (rank 359 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.60%
Rank 25 of 435
Net Interest Margin
2.88%
Rank 359 of 435
Efficiency Ratio
57.52%
Rank 37 of 435
Equity / Assets
12.54%
Rank 114 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 94% | 25 / 435 | | |
| Return on Equity | 12.74% | 5.12% | 7.41% | 9.70% | Beats 93% | 29 / 435 | | |
| Net Interest Margin | 2.88% | 3.01% | 3.39% | 3.75% | Beats 17% | 359 / 435 | | |
| Efficiency Ratio | 57.52% | 65.25% | 71.39% | 77.86% | Beats 92% | 37 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.45% | 0.69% | 1.05% | Beats 69% | 134 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.54% | 9.81% | 10.84% | 12.63% | Beats 74% | 114 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.54% | 9.81% | 10.84% | 12.63% | Beats 74% | 114 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.94% | 78.33% | 88.38% | 95.61% | 6th pctl | 411 / 435 | | |
| Loans / Assets | 50.41% | 67.69% | 74.58% | 80.80% | 6th pctl | 409 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |