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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $328K | $191K | $67K | $133K | $-7K | -2.24% | 2.22% | 69.11% | 165 |
| Q3 2025 | $331K | $192K | $73K | $136K | $-4K | -1.68% | 2.65% | 18.77% | 165 |
| Q2 2025 | $332K | $192K | $87K | $138K | $-2K | -1.36% | 2.68% | 18.20% | 165 |
| Q1 2025 | $345K | $203K | $74K | $140K | $-680 | -0.79% | 3.11% | 10.06% | 164 |
| Q4 2024 | $319K | $178K | $88K | $141K | $-2K | -0.78% | 4.06% | 8.49% | 162 |
| Q3 2024 | $345K | $201K | $103K | $142K | $-1K | -0.56% | 3.88% | 4.92% | 162 |
| Q2 2024 | $352K | $209K | $102K | $142K | $-1K | -0.70% | 3.82% | 3.55% | 162 |
Loan mix (Q4 2025): real estate $0 · commercial $0 · consumer $67K · securities $0
Nothing unusual in — — steady quarter.
| Ratio | Alloy Employees | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.24% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.22% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 200.9% |
Peer lists, growth filters, CSV export, CRM push.
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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 | Alloy Employees | Trend (7q) | 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 | Alloy Employees | Trend (7q) | 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 | Alloy Employees | Trend (7q) | 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 | Alloy Employees | Trend (7q) | 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.