Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -4.6% | +0.9% | -5.5 pts |
| Loan growth (YoY) | -15.2% | -2.6% | -12.5 pts |
| ROA | -5.41% | 0.65% | -6.1 pts |
| ROE | -42.9% | 4.4% | -47.3 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.0M | $18.8M | $14.4M | $2.8M | $-298K | -5.41% | 5.68% | 0.50% | 2,488 |
| Q4 2025 | $21.4M | $18.3M | $15.2M | $3.1M | $378K | 1.77% | 6.11% | 0.41% | 2,500 |
| Q3 2025 | $21.6M | $18.6M | $15.6M | $3.0M | $299K | 1.84% | 6.05% | 0.93% | 2,511 |
| Q2 2025 | $22.1M | $19.1M | $16.3M | $3.0M | $240K | 2.17% | 5.93% | 0.49% | 2,520 |
| Q1 2025 | $22.5M | $19.7M | $17.0M | $2.8M | $107K | 1.91% | 5.77% | 0.26% | 2,532 |
| Q4 2024 | $21.3M | $18.6M | $17.9M | $2.7M | $-43K | -0.20% | 5.77% | 0.28% | 2,522 |
| Q3 2024 | $23.1M | $20.5M | $18.6M | $2.6M | $-188K | -1.09% | 5.19% | 0.39% | 2,539 |
| Q2 2024 | $24.6M | $22.1M | $19.4M | $2.5M | $-246K | -2.00% | 4.82% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.41% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -42.9% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 137.3% |
Peer lists, growth filters, CSV export, CRM push.
| 2,543 |
Loan mix (Q1 2026): real estate $101K · commercial $0 · consumer $12.2M · securities $97K
| 80.6% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Lexington, SC, ranked 25th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lexington, SC | 1 | $19.1M* | 0.24% | 25th |
South Carolina: 128th with 0.01% · Columbia metro: 43rd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1