BlastPoint's Credit Union Scorecard
CHARTER OAK
Charter #3413 · CT
CHARTER OAK has 3 strengths but faces 6 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 0.79% above tier average
- + Net Charge-Off Rate: Top 5.3% in tier
- + Efficiency Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 52.3% in tier
- - Stagnation Risk: Bottom 86.6% in tier
- - Membership Headwinds: Bottom 86.6% in tier
- - Member decline: -2.2% YoY
- - Loan Growth Rate: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Connecticut.
- Shares and deposits +3.0% year over year ($1.50B in shares and deposits).
- Membership: 86,199 members, -2.2% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 1.61%.
- Efficiency ratio 57.52% vs a 73.02% peer average.
- Loan-to-share ratio 57.94% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,199
-2.2% YoY+0.0% QoQ
|
-10.7K |
96,861
-1.9% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$1.7B
+3.3% YoY+1.3% QoQ
|
$-1.8M |
$1.7B
+0.4% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$868.3M
-4.0% YoY-0.0% QoQ
|
$-365.9M |
$1.2B
+0.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$1.5B
+3.0% YoY+1.0% QoQ
|
+$35.2M |
$1.5B
+0.5% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
1.6%
+22.4% YoY-6.3% QoQ
|
+0.8% |
0.8%
+27.6% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Top 5.7% in tier |
| NIM |
2.9%
+13.0% YoY+1.6% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
57.5%
-5.0% YoY+6.0% QoQ
|
-15.5% |
73.0%
-2.7% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
0.5%
-5.0% YoY+59.9% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
57.9%
-6.8% YoY-1.0% QoQ
|
-26.8% |
84.7%
+0.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.3% in tier |
| AMR |
$27,458
+2.6% YoY+0.6% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
22.9%
-0.7% YoY+1.3% QoQ
|
-6.2% | 29.1% | 14.9% | 20.0% | 24% |
| Indirect Auto % |
13.0%
-26.4% YoY-6.3% QoQ
|
-5.1% | 18.1% | 4.3% | 7.7% | 44% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)