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FIXnotes

CHARTER OAK

CU

WATERFORD, CT

Total Assets
$1.7B
—
Total Loans
$868M
—
CHARTER OAK in CT reported a Texas Ratio of 2.0% in Q2 2026, up +0.7pp from the prior quarter. Nonperforming assets increased +0.19pp to 0.50%.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$433M49.9%——
1-4 family — junior lien$111M12.8%——
Multifamily$72M8.3%——
FOUNDATION Consumer Auto New — Unlock to view
FOUNDATION Consumer Auto Used — Unlock to view
FOUNDATION Consumer Credit Card — Unlock to view
FOUNDATION Consumer Other Unsecured — Unlock to view
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20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Connecticut mortgage-note market & lender distress →