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Charter Oak State College

New Britain, CT · official site ↗

PublicBaccalaureate: Arts & SciencesSmall
35
Fin. Resilience
Resilience score

vs. 19 peers in its group

Charter Oak State College is a public institution in New Britain, CT, classified by Carnegie as “Baccalaureate: Arts & Sciences.”

It enrolls about 1,821 undergraduates and is benchmarked here against 19 peer institutions (Baccalaureate: Arts & Sciences · Public).

On Ibex's Financial Resilience score it rates 35 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is first-year retention (100%, 100th percentile).

Its weakest is instructional spend / fte ($3,461).

Peer group

Baccalaureate: Arts & Sciences · Public

19 institutions

No cross-metric risk flags triggered.
Policy & demographic exposure

How exposed Charter Oak State College is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk indexAn indicative 0–100 structural-risk index (higher = more pressure) blending operating margin, months of cash cushion, tuition dependency and the home-state enrollment cliff. Screens for the financial and demographic strain that precedes closures and mergers — directional, not a prediction.
26
Low
Grad PLUS exposureShare of the school's graduate federal loan dollars that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 2026 (FSA Direct Loan data). Higher = more graduate borrowing that will disappear above the new caps.
1.9%
Low exposure
Higher than 8% of schools nationally
AY2025-26 YTD (through Q2, Dec 2025)
Avg Grad PLUS loanAverage Grad PLUS loan per borrower (FSA). The 2025 law caps unsubsidized grad borrowing at $20,500/yr and ends Grad PLUS — this is the average per-student amount that vanishes above the cap. The depth half of the Grad PLUS shock; pair with Grad PLUS exposure (the reliance share).
$23,632
Above the cap
Higher than 65% of schools nationally
AY2025-26 YTD (through Q2, Dec 2025)
Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
-7.1%
Moderate decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

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Revenue composition
Where the money comes from $27.4M total revenue · IPEDS FY2022-23

Government appropriations is the largest single source at 42% of revenue.

Government appropriations41.6%
Tuition & fees24.6%
Other revenue19.9%
Government grants & contracts12.3%
Investment return1.6%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health
Net tuition revenue / FTETuition revenue per full-time-equivalent student after institutional aid/discounts — what tuition actually nets.
Strong
$7,243
79th percentile in peer grouppeer median $5,874
Instructional spend / FTESpending on instruction per FTE student — how much of the budget reaches the classroom.
Below peers
$3,461
5th percentile in peer grouppeer median $13,373
Endowment (end of year)Total endowment value at year end — long-term invested wealth that funds operations and cushions shocks.
Below peers
$2.4M
28th percentile in peer grouppeer median $21.4M
In-state tuition & feesPublished in-state tuition and fees before aid (sticker price).
$8,506
29th percentile in peer grouppeer median $11,780
Out-of-state tuition & feesPublished out-of-state tuition and fees before aid (sticker price).
$8,506
12th percentile in peer grouppeer median $24,849
Avg annual cost of attendanceAverage total annual cost — tuition, fees and living costs — before aid.
$23,210
35th percentile in peer grouppeer median $26,593
Average net priceAverage yearly price families actually pay after grants and scholarships.
Average
$15,815
59th percentile in peer grouppeer median $14,265
Endowment per undergradEndowment divided by undergraduate headcount — endowment wealth behind each undergrad.
Below peers
$1,335
22nd percentile in peer grouppeer median $23,699
Operating marginNet surplus as a share of total revenue — whether the institution runs in the black.
Strong
37.3%
100th percentile in peer grouppeer median 9.9%
Net surplus as a share of total revenue (IPEDS FY2022-23): (total revenues − total expenses) ÷ total revenues. A surplus above 4% is strong; a thin surplus near 0% leaves little margin for shocks.
Tuition dependencyTuition's share of total revenue — how exposed the budget is to enrollment swings.
24.6%
89th percentile in peer grouppeer median 11.9%
Tuition & fees as a share of total revenue (IPEDS FY2022-23). Higher = more exposed to enrollment swings.
State appropriations shareState appropriations' share of total revenue — material for public institutions, near zero for private.
18.1%
17th percentile in peer grouppeer median 34.2%
State appropriations as a share of total revenue (IPEDS FY2022-23). Material for public institutions; ~0 for private.
Endowment per FTE studentEndowment per full-time-equivalent student — the FTE-correct measure of endowment wealth per student.
Below peers
$2,559
22nd percentile in peer grouppeer median $23,227
End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.
Grad PLUS exposureShare of the school's graduate federal loan dollars that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 2026 (FSA Direct Loan data). Higher = more graduate borrowing that will disappear above the new caps.
Low exposure
1.9%
— percentile in peer group
Share of the institution's graduate federal loan dollars (Grad Unsubsidized + Grad PLUS) that came from Grad PLUS — the program the 2025 budget law eliminates for new borrowers from July 1, 2026, alongside new caps on graduate borrowing. A higher share means more of the school's graduate students rely on borrowing that will no longer exist above the unsubsidized cap. Source: U.S. Dept. of Education / Federal Student Aid Direct Loan Dashboard — primarily award year 2025-26 (year-to-date through Q2, December 2025), the most current federal data; schools not yet reporting Grad PLUS in 2025-26 retain their most recent complete year (2024-25), shown per school. The reliance share is stable across the two vintages. Shown only for schools with Grad PLUS originations; an exposure signal, not a forecast of revenue loss.
Avg Grad PLUS loanAverage Grad PLUS loan per borrower (FSA). The 2025 law caps unsubsidized grad borrowing at $20,500/yr and ends Grad PLUS — this is the average per-student amount that vanishes above the cap. The depth half of the Grad PLUS shock; pair with Grad PLUS exposure (the reliance share).
Above the cap
$23,632
— percentile in peer group
Average Grad PLUS loan per recipient (FSA Direct Loan Dashboard — award year 2025-26 year-to-date through Q2, with 2024-25 full-year retained where 2025-26 is not yet reported). The 2025 budget law eliminates Grad PLUS for new borrowers from July 1, 2026 and caps unsubsidized graduate borrowing at $20,500/year — so this is the average per-borrower amount that will no longer be available above that cap. Paired with Grad PLUS exposure (the institution's reliance share), it is the depth axis of the Grad PLUS shock: how much each affected borrower stands to lose. Shown only where Grad PLUS was originated.
Structural risk indexAn indicative 0–100 structural-risk index (higher = more pressure) blending operating margin, months of cash cushion, tuition dependency and the home-state enrollment cliff. Screens for the financial and demographic strain that precedes closures and mergers — directional, not a prediction.
Low
26
— percentile in peer group
An indicative 0–100 structural-risk index (higher = more pressure), an equal-weight blend of the stress signals we measure: thin or negative operating margin, low months of operating cushion, high tuition dependency, and a shrinking home-state high-school-graduate pipeline (enrollment cliff). Averaged over whichever signals are available (at least two required). It screens for the financial and demographic pressures that precede closures and mergers — a directional indicator, NOT a prediction that any institution will close, and not a credit rating.
Graduation & completion
Graduation rate · first-time, full-time
66.7%

66.7% graduate within 6 years (150% of normal time)
100% on-time, within 4 years (100%)
Counts only students who entered full-time as first-time freshmen and earned a bachelor's here — the conventional headline rate. Excludes part-time entrants and transfer-ins.

Completion rate · all students
59.5%

59.5% earned a degree or certificate within 8 years (IPEDS Outcome Measures)
The broader cohort — also counts part-time entrants and transfer-ins, and any credential. More inclusive, so it can run higher than the graduation rate.

Why two numbers? They measure different students over different windows, so they are not directly comparable. The graduation rate is the standard federal headline but tracks only first-time, full-time students through a bachelor's; the all-students completion rate adds the part-time and transfer students it leaves out, over a longer window. Read each for what it covers. Source: U.S. Department of Education — IPEDS Graduation Rates & Outcome Measures, via College Scorecard.

Enrollment & Pipeline
Undergraduate enrollmentNumber of degree-seeking undergraduates (IPEDS fall headcount). A size measure, not a quality signal.
1,821
63rd percentile in peer grouppeer median 1,527
First-year retentionShare of first-time, full-time freshmen who return for a second year — an early signal of student fit and support.
Strong
100%
100th percentile in peer grouppeer median 75.7%
Graduation rate (6-yr · first-time, full-time)Of first-time, full-time freshmen, the share who earn a bachelor's at this institution within six years (150% of normal time) — the conventional headline graduation rate. It counts only first-time, full-time students and excludes part-time entrants and transfer-ins, who are captured instead by the all-students completion rate.
Strong
66.7%
79th percentile in peer grouppeer median 55.6%
Graduation rate (4-yr on-time · first-time, full-time)Of first-time, full-time freshmen, the share who earn a bachelor's within four years (100% of normal time) — the 'on-time' rate. It runs well below the six-year rate because many students take a fifth or sixth year; same first-time, full-time cohort as the six-year rate.
Strong
100%
100th percentile in peer grouppeer median 50.3%
Pell recipient shareShare of undergraduates on a federal Pell Grant — a proxy for the share from lower-income families.
44%
71st percentile in peer grouppeer median 37.7%
Program concentration (HHI)How concentrated a school's annual completions are across academic fields, as a Herfindahl-Hirschman Index (10,000 = one field, lower = many). Higher means more reliance on a few fields; lower means a diversified program portfolio.
Moderately concentrated
1,943
— percentile in peer group
How concentrated the institution's degree and certificate output is across academic fields (CIP 2-digit families), as a Herfindahl-Hirschman Index on the latest year's completions: 10,000 means every completion is in one field; lower means output is spread across many. A higher value means the school leans on fewer fields and is more exposed to demand shifts in them; a lower value reflects a broad program portfolio. Shown for institutions reporting at least 100 annual completions. A structural-diversification signal, not a measure of quality.
12-month FTE enrollmentFull-time-equivalent enrollment over the full year — the denominator for per-student finance measures.
950
32nd percentile in peer grouppeer median 1,494
Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.
Student-faculty ratioStudents per instructional faculty member — lower usually means smaller classes and more contact.
16:1
95th percentile in peer grouppeer median 11:1
Students per instructional faculty member (IPEDS, fall 2023). Lower generally means smaller classes and more faculty contact, though the measure mixes undergraduate and graduate teaching and is institution-reported.
Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
Moderate decline
-7.1%
— percentile in peer group
Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.
Completion rate (all students · 8-yr)Of ALL entering degree-seeking undergraduates — full- and part-time, first-time and transfer-in — the share who earned a degree or certificate at this institution within eight years (IPEDS Outcome Measures). Broader than the graduation rate, which counts only first-time, full-time students, so the two are measured on different students and are not directly comparable.
Average
59.5%
53rd percentile in peer grouppeer median 59.5%
Share of ALL entering degree-seeking undergraduates — full- and part-time, first-time and transfer-in — who earned a degree or certificate at this institution within eight years (IPEDS Outcome Measures, via College Scorecard). Broader and more inclusive than the graduation-rate figures, which count only first-time, full-time students entering a bachelor's program — so the two are measured on different groups of students and are not directly comparable.
Student body
Undergraduate race & ethnicity IPEDS 2024-25
White47.4%
Hispanic/Latino22.6%
Black21.6%
Asian3.0%
Two or more races2.9%
Unknown1.4%
International1.0%
Native Hawaiian/Pacific Islander0.1%
American Indian/Alaska Native0.1%

Undergraduate enrollment by race and ethnicity, as reported to IPEDS (College Scorecard). “International” denotes nonresident students; “Unknown” means race/ethnicity was not reported.

Student Outcomes & Risk
Median earnings (10 yr)Median earnings of former students ten years after first enrolling (working, federally-aided students).
Strong
$64,209
82nd percentile in peer grouppeer median $48,102
Median debt at graduationMedian federal loan debt graduates carry at the point they complete.
Strong
$18,683
29th percentile in peer grouppeer median $21,000
3-yr cohort default rateShare of borrowers who default within three years of entering repayment. Lower is better.
Average
4.1%
47th percentile in peer grouppeer median 5.3%
Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.
Share taking federal loansShare of students taking out federal loans — a borrowing-reliance signal.
45.2%
71st percentile in peer grouppeer median 41.9%
Full-time faculty shareShare of faculty employed full-time — higher generally means more availability and continuity.
Below peers
6%
5th percentile in peer grouppeer median 70.6%
Debt-to-earnings ratioMedian graduate debt divided by median earnings — how heavy the debt load is versus what graduates earn. Lower is better.
Strong
0.29×
18th percentile in peer grouppeer median 0.37×
Return on credentialMedian 10-year earnings divided by the four-year cost of attendance (annual cost × 4) — a rough payback ratio for the degree.
Strong
0.69×
88th percentile in peer grouppeer median 0.49×
Median 10-year earnings divided by the four-year cost of attendance (average annual cost × 4). A rough payback ratio: 1.0× means a graduate's annual 10-year earnings roughly equal the full four-year sticker cost. Earnings reflect federally-aided students; cost of attendance is the published sticker price before aid, so this is conservative relative to what families net of aid pay.
Field-demand outlook (10-yr)Employment-weighted 10-year BLS job-growth projection for the occupations this school's program mix feeds (U.S. all-occupations benchmark +3.1%). An indicative broad-field demand signal, not a program-specific or placement guarantee.
Outpaces job-market average
+4.1%
36th percentile in peer group
Projected 10-year (2024-34) change in U.S. employment for the occupations this institution's degrees and certificates feed, blended across its program mix. Built by mapping each CIP 2-digit field to its occupations via the NCES CIP-SOC crosswalk, taking the employment-weighted average of each occupation's BLS-projected percent change, then weighting fields by the institution's latest-year completions. The U.S. all-occupations benchmark is 3.1%, so a higher value means the school's graduates concentrate in faster-growing labor markets. An INDICATIVE field-level signal at broad-field granularity — not a program-specific or graduate-specific projection, and not a placement or earnings guarantee. Structurally diffuse CIP families whose crosswalk maps to 'any job' are excluded from the signal: 05 Area/Ethnic/Gender Studies, 24 Liberal Arts & Humanities, and 30 Multi/Interdisciplinary. Shown where at least 50% of completions fall in fields with a coherent occupational mapping and the school reports 100+ annual completions.
Loan repayment rate (3-yr)
52.2%
18th percentile in peer grouppeer median 65.4%
Share of student-loan borrowers who had repaid at least $1 of their loan principal within three years of entering repayment (College Scorecard, FY2024-25). Read it as context, not a simple good/bad score: a low rate can mean borrowers are struggling, but it can also mean many graduates have postponed payments while enrolled in graduate or professional school, which is common at selective schools and pushes their rate down. Unlike the cohort default rate, it is not distorted by the 2020-23 federal payment pause. Reported only where enough borrowers exist.
Top fields of study (bachelor's)

Charter Oak State College’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

FieldCompletions / yrMedian earnings, 4 yrs outMedian debtEarnings premiumRisk score
Liberal Arts & Humanities130$54,363
83th pct · 6 peers
—Above benchmark +29%Moderate · 50
Health Professions & Clinical Sciences88$72,446
40th pct · 5 peers
—Above benchmark +72%Low · 0
Business, Management & Marketing66$82,069
100th pct · 11 peers
—Above benchmark +94%Low · 0
Homeland Security, Law Enforcement & Firefighting52———Low · 0
Psychology48$52,803
54th pct · 13 peers
—Above benchmark +25%Low · 0
Education36———Low · 0
Family & Consumer Sciences14———Low · 0
Social Sciences9———Low · 0
Computer & Information Sciences—$96,202
100th pct · 10 peers
—Above benchmark +128%Low · 0

All 5 top fields shown clear the CT state earnings-premium benchmark (indicative).

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the CT state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend—higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked
What is Charter Oak State College's student-faculty ratio?
Charter Oak State College reports a student-faculty ratio of 16:1 (IPEDS, fall 2023) — that is, about 16 students for every instructional faculty member.
How much does Charter Oak State College cost?
The average published cost of attendance is $23,210 and the average net price after aid is $15,815 (College Scorecard).
How much do Charter Oak State College graduates earn?
Median earnings ten years after entry are $64,209 (College Scorecard), measured across students who received federal aid.
Are Charter Oak State College's programs at risk under the federal earnings-premium test?
Indicatively, at Charter Oak State College, all 5 of the largest fields with available earnings data clear the CT state earnings-premium benchmark used by the 2025 federal test (effective July 1, 2026) — median graduate earnings (four years out) exceed those of a typical worker without the credential. This is an estimate using College Scorecard earnings vs ACS medians; the official Department of Education determination may differ.
Which schools are Charter Oak State College's peers?
Charter Oak State College is benchmarked against 19 institutions in the Baccalaureate: Arts & Sciences · Public peer group; all percentiles and medians on this page are computed within that group.
Compare with peers
St. Mary's College of MarylandUniversity of Puerto Rico at CayeyVirginia Military InstituteUniversity of Pittsburgh-GreensburgUniversity of Virginia's College at WiseUniversity of Science and Arts of Oklahoma

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Source: U.S. Department of Education — College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite — see each component above. Compiled by Ibex Insights.