Institution profile
CHARTER OAK
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
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NCUA identity
- NCUA charter number
- 3413
- Credit union type
- Federal credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 1055 Hartford Tpke
- City
- Waterford
- State
- CT
- ZIP
- 06385-4005
- County
- Southeastern CT
- Country
- United States
- Phone
- 8604468085
- Hours
- LOBBY HOURS Mon. ? Thurs. 9:00 am ? 5:00 pm Friday 9:00 am ? 6:00 pm Saturday 9:00 am ? 12:00 pm DRIVE-UP AND CALL CENTER HOURS Mon. ? Wed. 8:00 am ? 5:00 pm Thurs. ? Fri. 8:00 am ? 6:00 pm Saturday 9:00 am ? 1:00 pm
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 86,156
- Total assets
- $1,699,885,591
- Total loans — all reported loan categories
- $868,667,485
- Shares and deposits
- $1,483,865,485
- Return on average assets
- 1.73%
- Net worth ratio
- 12.33%
- Loan-to-share ratio
- 58.54%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 2.25%
- Loans four-quarter growth
- -5.7%
- Assets four-quarter growth
- 2.28%
- Members four-quarter growth
- -2.26%
- Net-worth four-quarter growth
- 11.32%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- Yes
- ATM
- Yes
- Drive-thru
- Yes
- Shared service-center network
- Yes
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- Federally insured federal credit union