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 →
No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $78.7M | $69.5M | $22.0M | $9.0M | $361K | 0.92% | 3.06% | 0.02% | 4,639 |
| Q1 2025 | $78.8M | $69.6M | $22.1M | $8.8M | $166K | 0.84% | 3.04% | 0.15% | 4,791 |
| Q4 2024 | $78.0M | $68.9M | $22.9M | $8.7M | $457K | 0.59% | 3.13% | 0.29% | 4,859 |
| Q3 2024 | $78.2M | $69.3M | $23.3M | $8.5M | $324K | 0.55% | 2.90% | 0.33% | 5,507 |
| Q2 2024 | $78.7M | $69.9M | $23.9M | $8.4M | $212K | 0.54% | 2.81% | 0.31% | 5,592 |
Loan mix (Q2 2025): real estate $8.0M · commercial $0 · consumer $12.9M · securities $41.2M
Nothing unusual in — — steady quarter.
| Ratio | Aaa | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% |
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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 | Aaa | Trend (5q) | 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 | Aaa | Trend (5q) | 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 | Aaa | Trend (5q) | 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 | Aaa | Trend (5q) | 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.