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) | -20.8% | +1.3% | -22.1 pts |
| Share growth (YoY) | -28.3% | +0.9% | -29.3 pts |
| Loan growth (YoY) | -80.0% | -2.6% | -77.4 pts |
| ROA | -0.76% | 0.65% | -1.4 pts |
| ROE | -2.2% | 4.4% | -6.6 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131K | $86K | $7K | $45K | $-248 | -0.76% | 1.89% | 0.00% | 122 |
| Q4 2025 | $139K | $92K | $14K | $47K | $5K | 3.42% | 5.06% | 0.00% | 123 |
| Q3 2025 | $169K | $122K | $27K | $47K | $5K | 3.62% | 4.48% | 0.00% | 130 |
| Q2 2025 | $173K | $125K | $47K | $47K | $3K | 3.73% | 4.71% | 0.00% | 131 |
| Q1 2025 | $166K | $120K | $35K | $46K | $2K | 4.50% | 6.24% | 0.00% | 132 |
| Q4 2024 | $162K | $117K | $58K | $44K | $3K | 1.96% | 4.45% | 0.00% | 132 |
| Q3 2024 | $164K | $119K | $31K | $46K | $2K | 1.85% | 3.91% | 0.00% | 133 |
| Q2 2024 | $158K | $114K | $49K | $44K | $2K | 1.95% | 5.09% | 0.00% | 131 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.76% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.89% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.9% |
Peer lists, growth filters, CSV export, CRM push.
| 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: Beaver, PA, ranked 23rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, PA | 1 | $125K* | 0.00% | 23rd |
Pennsylvania: 466th with 0.00% · Pittsburgh metro: 163rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1