BlastPoint's Credit Union Scorecard
CHARTER OAK
Charter #3413 · CT
CHARTER OAK has 2 strengths but faces 3 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
- + Profitability Leader: Top 40.4% in tier
- + ROA 0.59% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.5% 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
|
50% |
| 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
|
56% |
| 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
|
26% |
| 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
|
57% |
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| 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
|
16% |
| 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
|
29% |
| 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
|
44% |
| CD Concentration |
23.1%
-5.1% YoY+0.1% QoQ
|
-5.8% |
29.0%
+0.7% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
23% |
| Indirect Auto % |
16.2%
-25.7% YoY-8.2% QoQ
|
-2.6% |
18.8%
-3.0% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)