Charter Oak

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.7B

38^th percentile

Members

88,473

35^th percentile

Total loans

$882.1M

16^th percentile

Total shares

$1.5B

40^th percentile

Profitability

Return on assets

1.26%

68^th percentile

Net interest margin

2.70%

22^th percentile

Efficiency ratio

48.50%

64^th percentile

Non-interest income ratio

20.24%

63^th percentile

Capital & Risk

Net worth ratio

12.10%

72^th percentile

Delinquency rate

0.44%

77^th percentile

Net charge-off rate

0.18%

88^th percentile

Loan-to-share

60.50%

6^th percentile

Growth

Member growth YoY

-0.06%

24^th percentile

Asset growth YoY

4.49%

38^th percentile

Loan growth YoY

-4.21%

6^th percentile

Share growth YoY

3.89%

32^th percentile

Operations

Members / branch

5,898

29^th percentile

Assets / member

$18,894

59^th percentile

Field of membership penetration

22.97%

83^th percentile

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