BlastPoint's Credit Union Scorecard
CHARTER OAK
Charter #3413 · CT
CHARTER OAK has 3 strengths but faces 6 concerns
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How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Efficiency Ratio: Top 2.3% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 53.0% in tier
- - Stagnation Risk: Bottom 86.3% in tier
- - Membership Headwinds: Bottom 86.3% in tier
- - Member decline: -2.3% YoY
- - Loan Growth Rate: Bottom 4.6% in tier
- - Loan-to-Share Ratio: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,156
-2.3% YoY-2.6% QoQ
|
-9.9K |
96,048
-2.7% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$1.7B
+2.3% YoY+1.7% QoQ
|
$-20.0M |
$1.7B
+0.4% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$868.7M
-5.7% YoY-1.5% QoQ
|
$-345.1M |
$1.2B
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$1.5B
+2.3% YoY+1.7% QoQ
|
+$18.3M |
$1.5B
+0.5% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
1.7%
+0.8% YoY+35.5% QoQ
|
+1.0% |
0.7%
+27.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.9% in tier |
| NIM |
2.9%
+14.6% YoY+4.7% QoQ
|
-0.5% |
3.4%
+6.2% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
54.3%
-1.0% YoY-15.2% QoQ
|
-20.4% |
74.6%
-3.0% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.3%
-30.3% YoY-29.4% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
58.5%
-7.8% YoY-3.2% QoQ
|
-24.6% |
83.2%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.5% in tier |
| AMR |
$27,306
+1.5% YoY+3.2% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
22.6%
-8.3% YoY-0.5% QoQ
|
-6.2% | 28.8% | 14.5% | 19.8% | 23% |
| Indirect Auto % |
13.9%
-26.6% YoY-7.7% QoQ
|
-4.2% | 18.1% | 4.5% | 7.7% | 46% |
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)