B
Charter Oak Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Charter Oak Federal Credit Union
Waterford, CT
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Rating B
Asset Quality Index 9.60
Capitalization Index 5.80
Liquidity Index 4.10
Profitability Index 7.40
Stability Index 6.70
Company Info Charter Oak Federal Credit Union
Waterford, CT
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NCUA Charter Number 65
Phone Number (860) 446-8085
Website www.charteroak.org
Asset Quality Charter Oak Federal Credit Union
Waterford, CT
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1-Year Asset Growth 5.04%
5-Year Asset Growth 6.33%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.16%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.93%
Non-Performing Loans to Loans 0.45%
Balance Sheet Charter Oak Federal Credit Union
Waterford, CT
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Total Assets 1.66B
Total Deposits 1.45B
Capital and Reserves Charter Oak Federal Credit Union
Waterford, CT
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Capital 138.20M
Leverage Ratio 11.33
Loan Loss Reserves to Loans 0.46%
Liquidity Charter Oak Federal Credit Union
Waterford, CT
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Hot Money Ratio 12.67%
Liquidity Ratio 20.25%
Profitability Charter Oak Federal Credit Union
Waterford, CT
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5-Year Return on Average Assets 0.86%
Net Income 6.95M
Net Interest Spread 3.07%
Operating Profit to Average Assets 1.73%
Overhead Efficiency Ratio 54.83%
Return on Assets 1.70%
Return on Equity 21.14%