Total Assets
$1.7B
Total Deposits
$1.5B
Branches
15
Established
1939
CHARTER OAK is a credit union headquartered in WATERFORD, Connecticut, established in 1939. It holds $1.7B in total assets across 15 branch locations. In our editorial opinion, based on public FDIC/NCUA data, CHARTER OAK earns a TFS Financial Health Grade of A- (86.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.1 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Waterford HeadquartersHQ | 1055 Hartford Tpke | Waterford | CT | Full Service |
| Dayville | 589 Hartford Pike | Dayville | CT | Full Service |
| Killingly High School | 226 Putnam Pike | Dayville | CT | Full Service |
| Chicago Avenue | 32 Chicago Ave | Groton | CT | Full Service |
| Fitch High School | 101 Groton Long Point Rd | Groton | CT | Full Service |
| Mystic | 4 Hendel Dr | Mystic | CT | Full Service |
| EB/New London | 50 Pequot Ave | New London | CT | Full Service |
| Niantic | 335 Main St | Niantic | CT | Full Service |
| Norwich | 1 Connecticut Ave | Norwich | CT | Full Service |
| Pawcatuck | 20 Liberty St | Pawcatuck | CT | Full Service |
| Putnam | 7 Providence Pike | Putnam | CT | Full Service |
| Mohegan Sun | 1 Mohegan Sun Blvd | Uncasville | CT | Full Service |
| Montville | 601 Norwich New London Tpke | Uncasville | CT | Full Service |
| Waterford | 3 Boston Post Rd | Waterford | CT | Full Service |
| Willimantic | 893 Main St | Willimantic | CT | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.1
Net worth ratio
12.33%
Return on assets
1.72%
60+ day delinquency
0.31%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.