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 | $12.0M | $11.3M | $3.1M | $777K | $-97K | -1.08% | 1.41% | 2.22% | 974 |
| Q2 2025 | $12.9M | $12.1M | $3.3M | $794K | $-80K | -1.24% | 1.25% | 1.96% | 972 |
| Q1 2025 | $13.3M | $12.5M | $3.5M | $831K | $-44K | -1.31% | 1.25% | 1.70% | 972 |
| Q4 2024 | $13.1M | $12.2M | $3.6M | $875K | $-190K | -1.45% | 0.96% | 2.59% | 972 |
| Q3 2024 | $13.3M | $12.3M | $3.7M | $960K | $-125K | -1.26% | 1.02% | 2.45% | 973 |
| Q2 2024 | $13.6M | $12.6M | $3.7M | $1.0M | $-82K | -1.21% | 1.01% | 2.53% | 973 |
Loan mix (Q3 2025): real estate $739K · commercial $0 · consumer $2.3M · securities $7.2M
Nothing unusual in — — steady quarter.
| Ratio | Ambridge Area | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.08% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -16.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.41% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 165.6% |
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 | Ambridge Area | 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 | Ambridge Area | 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 | Ambridge Area | 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 | Ambridge Area | 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.