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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $58.5M | $58.1M | $39.1M | $1.4M | $-84K | -0.57% | 5.05% | 3.28% | 5,477 |
| Q4 2024 | $57.6M | $57.2M | $41.5M | $1.5M | $-2.6M | -4.49% | 5.37% | 3.60% | 5,544 |
| Q3 2024 | $59.1M | $58.2M | $43.3M | $1.7M | $-2.4M | -5.35% | 5.37% | 2.96% | 5,394 |
| Q2 2024 | $61.0M | $58.9M | $45.9M | $2.8M | $-1.3M | -4.40% | 5.10% | 3.52% | 5,468 |
Loan mix (Q1 2025): real estate $12.5M · commercial $0 · consumer $24.7M · securities $9.1M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -23.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | Not enough history yet. | — | — |
Non-interest income share |
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| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (4q) | 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 (4q) | 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 (4q) | 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 (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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