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Charter Oak
WATERFORD, CT · NCUA Charter #3413 · Federal charter · Chartered 1939
Total assets
$1.72B
Shares & deposits
$1.50B
Total loans
$868.30M
Members
86,199
Net worth
$216.04M
Branches
15
Rank: #292 of 4,299 U.S. credit unions by assets · #3 of 64 in Connecticut. Assets changed 3.3% and membership -2.2% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 12.54% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.27% |
| Loans to shares & deposits | 57.9% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.57B | $1.43B | $0 | $143.61M |
| Jun 2023 | $1.53B | $1.38B | $0 | $159.34M |
| Jun 2024 | $1.60B | $1.41B | $0 | $174.19M |
| Jun 2025 | $1.67B | $1.46B | $0 | $192.33M |
| Jun 2026 | $1.72B | $1.50B | $0 | $216.04M |
Branch footprint
| State | Branches |
|---|---|
| Connecticut | 15 |
Similar-sized credit unions
Kemba ($1.74B) · Truwest ($1.71B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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