PackageTrendsPeer
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Charter Oak

Waterford, CT · Charter 3413

NCUA · 15 branches

Q2 2026

$1.7BAssets
$868.3MLoans
$1.5BShares
$216.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.60%, up 29 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.50% of loans (-3 bps YoY).
  • Capital: net worth / assets of 12.54%, up 100 bps from a year ago.
  • Funding: loans stand at 57.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.60%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.88%+32 bps YoY

Efficiency Ratio (quarter, annualized)

57.52%-300 bps YoY

Net Worth / Assets

12.54%+100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.31%1.25%1.72%1.60%+29 bps
Return on Equity11.38%10.85%10.37%13.92%12.74%+136 bps
Net Interest Margin2.56%2.69%2.70%2.86%2.88%+32 bps
Efficiency Ratio60.52%62.23%63.97%54.28%57.52%-300 bps
Growth
Asset Growth (YoY)3.96%3.70%4.49%2.28%3.33%-63 bps
Loan Growth (YoY)-1.72%-3.72%-4.21%-5.70%-4.00%-228 bps
Share Growth (YoY)3.05%3.26%3.24%2.25%2.98%-7 bps
Asset Quality
Delinquent Loans / Loans0.53%0.47%0.44%0.31%0.50%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.54%12.05%12.10%12.33%12.54%+100 bps
Net Worth / Assets11.54%12.05%12.10%12.33%12.54%+100 bps
Liquidity & Funding
Loans / Shares62.16%62.39%60.46%58.54%57.94%-422 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps