BlastPoint's Credit Union Scorecard
CHARTER OAK
Charter #3413 · CT
CHARTER OAK has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 53.8% in tier
- - Indirect Auto Dependency: Bottom 90.3% in tier
- - Loan-to-Share Ratio: Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,473
-0.1% YoY+0.1% QoQ
|
-9.0K |
97,431
-2.4% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$1.7B
+4.5% YoY+2.0% QoQ
|
$-51.7M |
$1.7B
+0.9% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$882.1M
-4.2% YoY-1.4% QoQ
|
$-352.4M |
$1.2B
+0.5% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$1.5B
+3.2% YoY+1.8% QoQ
|
$-355K |
$1.5B
+0.9% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
1.3%
+31.9% YoY-2.3% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 10.3% in tier |
| NIM |
2.7%
+14.6% YoY+2.2% QoQ
|
-0.5% |
3.3%
+9.2% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
64.0%
-9.4% YoY+2.8% QoQ
|
-10.1% |
74.1%
-9.5% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
0.4%
+35.9% YoY-5.3% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
60.5%
-7.2% YoY-3.1% QoQ
|
-24.3% |
84.8%
-0.8% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.0% in tier |
| AMR |
$26,460
+0.4% YoY+0.5% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
22.7%
-9.4% YoY-1.7% QoQ
|
-6.3% | 29.0% | 14.6% | 19.8% | 23% |
| Indirect Auto % |
15.0%
-28.5% YoY-7.3% QoQ
|
-3.3% | 18.3% | 4.6% | 7.8% | 48% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)