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 |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2025 | $581.3M | $463.0M | $357.7M | $90.6M | $2.4M | 0.56% | 2.99% | 0.41% | 17,084 |
| Q2 2025 | $582.6M | $469.7M | $382.9M | $90.1M | $1.9M | 0.66% | 2.98% | 0.49% | 16,061 |
| Q1 2025 | $623.5M | $498.9M | $395.5M | $90.1M | $2.0M | 1.25% | 2.76% | 0.54% | 15,597 |
| Q4 2024 | $633.5M | $495.4M | $414.3M | $88.1M | $-2.5M | -0.40% | 2.65% | 0.46% | 15,338 |
| Q3 2024 | $563.6M | $470.3M | $438.3M | $88.6M | $-2.6M | -0.62% | 2.93% | 1.09% | 17,428 |
| Q2 2024 | $556.8M | $462.0M | $428.9M | $89.3M | $-1.9M | -0.70% | 2.97% | 1.99% | 17,246 |
Loan mix (Q3 2025): real estate $4.2M · commercial $248.3M · consumer $85.6M · securities $155.0M
Nothing unusual in — — steady quarter.
| Ratio | Adelfi | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Adelfi | Trend (6q) | 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 | Adelfi | Trend (6q) | 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 | Adelfi | Trend (6q) | 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 | Adelfi | Trend (6q) | 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.