CHARTER OAK
Charter #3413 · WATERFORD, CT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 86,156 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.73% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.19% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.28% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHARTER OAK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.70B | 38th pct | 74th pct |
| Members | 86,156 | 33th pct | 82th pct |
| Net worth ratio | 12.33% | 75th pct | 61th pct |
| Return on average assets | 1.73% | 96th pct | 95th pct |
| Net interest margin | 2.88% | 20th pct | 39th pct |
| Cost of funds | 1.19% | 26th pct | 20th pct |
| Loan-to-share | 58.54% | 6th pct | 31th pct |
| Delinquency 60+ days | 0.31% | 16th pct | 43th pct |
| Net charge-off ratio | 0.09% | 5th pct | 20th pct |
| Loan growth YoY | -2.85% | 5th pct | 8th pct |
| Share growth YoY | 3.54% | 39th pct | 44th pct |
| Efficiency ratio | 54.28% | 5th pct | 10th pct |
structural peer set hash: 7884a3d3adee8fd186ffe2c027ac0ce7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.