CHARTER OAK

Charter #3413 | CT

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in CT

CHARTER OAK has 2 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 11.0% in tier
  • + ROA 0.59% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.5% in tier
  • - Liquidity Overhang: Bottom 20.2% in tier
  • - Indirect Auto Dependency: Bottom 27.8% in tier
  • - Loan-to-Share Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 88,364
+0.3% YoY+0.2% QoQ
 -10.3K 98,678
-1.9% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $1.6B
+3.7% YoY-1.7% QoQ
 $-80.6M $1.7B
+0.5% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $894.1M
-3.7% YoY-1.1% QoQ
 $-338.9M $1.2B
+0.5% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $1.4B
+3.3% YoY-1.5% QoQ
 $-21.2M $1.5B
+1.3% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 1.3%
+36.6% YoY-1.4% QoQ
 +0.6% 0.7%
+13.4% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Top 9.5% in tier
NIM 2.7%
+14.2% YoY+4.0% QoQ
 -0.6% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 16.4% in tier
Efficiency Ratio 62.2%
-11.0% YoY+2.8% QoQ
 -11.7% 74.0%
-10.9% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Bottom 10.5% in tier
Delinquency Rate 0.5%
+109.7% YoY-11.1% QoQ
 -0.4 0.8%
+6.1% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 62.4%
-6.8% YoY+0.4% QoQ
 -22.8% 85.2%
-0.8% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 Bottom 9.5% in tier
AMR $26,338
+0.2% YoY-1.6% QoQ
 $-3K $29,172
+2.8% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 23.1%
-5.1% YoY+0.1% QoQ
 -5.9% 29.0%
+0.8% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 Bottom 23.2% in tier
Indirect Auto % 16.2%
-25.7% YoY-8.2% QoQ
 -2.6% 18.8%
-2.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#59 of 184 • Top 11.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.30%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.26%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#58 of 217 • Bottom 7.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.25% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Liquidity Overhang

risk
#66 of 113 • Bottom 20.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.05%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 62.39%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#172 of 202 • Bottom 27.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.70%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.21%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 0.26%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

29
Return on Assets (ROA)
profitability
Value: 1.30%
Peer Avg: 0.70%
#29 of 304 Top 9.2% in 1B-3B tier
33
Efficiency Ratio
profitability
Value: 62.23%
Peer Avg: 73.97%
#33 of 304 Top 10.5% in 1B-3B tier
51
Net Charge-Off Rate
risk
Value: 0.23%
Peer Avg: 0.60%
#51 of 304 Top 16.4% in 1B-3B tier
54
Members Per Employee (MPE)
engagement
Value: 435.291
Peer Avg: 364.953
#54 of 304 Top 17.4% in 1B-3B tier
76
Share Certificate Concentration (%)
balance_sheet
Value: 23.12%
Peer Avg: 28.53%
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (5 metrics)

275
Loan-to-Share Ratio
balance_sheet
Value: 62.39%
Peer Avg: 85.19%
#275 of 304 Bottom 9.9% in 1B-3B tier
272
Loan Growth Rate
growth
Value: -3.72%
Peer Avg: 5.27%
#272 of 304 Bottom 10.9% in 1B-3B tier
260
First Mortgage Concentration (%)
balance_sheet
Value: 49.36%
Peer Avg: 34.01%
#260 of 304 Bottom 14.8% in 1B-3B tier
254
Net Interest Margin (NIM)
profitability
Value: 2.67%
Peer Avg: 3.26%
#254 of 304 Bottom 16.8% in 1B-3B tier
249
Loan-to-Member Ratio (LMR)
engagement
Value: $10,119
Peer Avg: $13,213
#249 of 304 Bottom 18.4% in 1B-3B tier