Waterford, CT · Federal Credit Union · Chartered in CT
Who can join
Employer / occupational group
Members
86,156
Net Worth Ratio
12.33%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$1.70B
Total Shares
$1.48B
Total Loans
$868.7M
Net Worth Ratio
12.33%
≥7% = Well Capitalized
Members
86,156
Delinquency Rate (60d+)
0.24%
$2.1M
Loan-to-share ratio: 58.5%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 1,122 | 803 | 149 | 71.6% | 13.3% |
| 2022 | 1,877 | 1,315 | 255 | 70.1% | 13.6% |
| 2021 | 1,338 | 875 | 147 | 65.4% | 11.0% |
No CFPB complaint data available for this credit union.
Waterford Headquarters
1055 Hartford Tpke, Waterford, CT, 06385-4005
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
Waterford
3 Boston Post Rd, Waterford, CT, 06385
Mon - Thurs 9:00 am - 5:00 pm Fri 9:00 am - 6:00 pm Sat 9:00 am - 12:00 pm
Pawcatuck
20 Liberty St, Pawcatuck, CT, 06379
Mon - Fri 9:00 am - 5:00 pm
Niantic
335 Main St, Niantic, CT, 06357
Mon -- Fri 9:00 am - 5:00 pm
Norwich
1 Connecticut Ave, Norwich, CT, 06360
Mon - Fri 9:00 am - 5:00 pm
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/charter-oak" target="_blank" rel="noopener">View CHARTER OAK on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Montville
601 Norwich New London Tpke, Uncasville, CT, 06382
Mon - Fri 9:00 am - 5:00 pm
Dayville
589 Hartford Pike, Dayville, CT, 06241
Mon - Thurs 9:00 am - 5:00 pm Fri 9:00 am - 6:00 pm
Willimantic
893 Main St, Willimantic, CT, 06226
Mon - Tues 9:00 am - 4:30 pm Wednesday 9:00 am - 1:00 pm Thurs - Fri 9:00 am - 4:30 pm
Fitch High School
101 Groton Long Point Rd, Groton, CT, 06340
Mon, Wed, Fri 10:30 am - 2:00 pm
Killingly High School
226 Putnam Pike, Dayville, CT, 06241
Monday,Wednesday,Friday 10:30-2:30
5 more locations not shown.