CU Explorer
Credit unions · Connecticut · Q2 2026

Charter Oak FCU

Credit union in Waterford, CT · NCUA charter #3413 · Federal charter

Legal name: Charter Oak

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$1.72B
Total loans & leases$868M
Total shares & deposits$1.50B
Members86,200
Net worth$216M
Net worth / assets12.54%
Loans / assets50.41%
Return on assets (annualized)1.60%
Loan growth (YoY)−4.00%
Member growth (YoY)−2.24%
Delinquency, all loans (60+ days)0.50%
CharterFederal charter
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech participations, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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