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
- 86,156
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
86,156 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CHARTER OAK |
|---|---|
| Total Assets | $1.7B |
| Members | 86,156 |
| Loans Outstanding | $868.7M |
| Shares & Deposits | $1.5B |
| Net Worth | $209.6M |
| Net Worth Ratio | 12.33% |
| Loan-to-Share Ratio | 58.5% |
| Delinquency Rate | 0.31% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Connecticut
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Connecticut RankingsFrequently Asked Questions
CHARTER OAK is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CHARTER OAK has 86,156 members and a potential membership field of 385,223 people.
CHARTER OAK's reported net worth ratio is 12.33% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CHARTER OAK. All financial data is for informational purposes only.