CHARTER OAK
Federal • WATERFORD, Connecticut • Est. 1939
Quick Facts
- Charter Number
- #3413
- Type
- Federal
- Established
- 1939
- Headquarters
- WATERFORD, Connecticut 06385-4005
- Address
- 1055 HARTFORD TPKE
- Branches
- 15
- ATMs
- 15
- Members
- 88,473
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
88,473 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CHARTER OAK |
|---|---|
| Total Assets | $1.7B |
| Members | 88,473 |
| Loans Outstanding | $882.1M |
| Shares & Deposits | $1.5B |
| Net Worth | $202.3M |
| Net Worth Ratio | 12.10% |
| Loan-to-Share Ratio | 60.5% |
| Delinquency Rate | 0.44% |
| Net Income | +$22,212,279 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
15 locations · 15 ATMs
Chicago Avenue
32 Chicago Ave
Groton, CT 06340
Waterford
3 Boston Post Rd
Waterford, CT 06385
Pawcatuck
20 Liberty St
Pawcatuck, CT 06379
Niantic
335 Main St
Niantic, CT 06357
Norwich
1 Connecticut Ave
Norwich, CT 06360
Who Can Join CHARTER OAK?
Membership Type: Other/Unknown
Membership eligibility for CHARTER OAK may vary. Contact the credit union directly to confirm qualification requirements.
Contact CHARTER OAK directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Connecticut RankingsFrequently Asked Questions
Yes. CHARTER OAK is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CHARTER OAK has 88,473 members and a potential membership field of 385,223 people.
CHARTER OAK's net worth ratio is 12.10% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.1%, CHARTER OAK meets this threshold.
CHARTER OAK operates 15 branch locations and has access to 15 ATMs. The main office is located at 1055 Hartford Tpke, Waterford, CT 06385-4005.
CHARTER OAK was established in 1939. It is a federal credit union chartered under charter number 3413. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CHARTER OAK. All financial data is for informational purposes only.