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FIXnotes

CHARTER OAK

CU

WATERFORD, CT

Total Assets
$1.7B
Total Loans
$869M
CHARTER OAK in CT reported a 1.3% Texas ratio in Q1 2026, down -0.6pp from the prior quarter. Nonperforming assets totaled 0.31%, declining -0.13pp sequentially.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$434M49.9%
1-4 family — junior lien$107M12.3%
Multifamily$71M8.1%
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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 →