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 |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $419K | $178K | $152K | $241K | $-6K | -2.77% | 3.23% | 2.22% | 91 |
| Q1 2025 | $439K | $191K | $176K | $247K | $-3K | -2.60% | 3.05% | 4.45% | 99 |
| Q4 2024 | $434K | $184K | $197K | $250K | $60K | 13.76% | 4.41% | 4.07% | 99 |
| Q3 2024 | $452K | $194K | $255K | $258K | $54K | 16.04% | 4.51% | 8.60% | 100 |
| Q2 2024 | $509K | $249K | $310K | $260K | $56K | 22.11% | 4.33% | 1.81% | 117 |
Loan mix (Q2 2025): real estate $0 · commercial $0 · consumer $152K · securities $6K
Nothing unusual in — — steady quarter.
| Ratio | Ann Arbor Postal | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.77% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 184.3% |
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 | Ann Arbor Postal | Trend (5q) | 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 | Ann Arbor Postal | Trend (5q) | 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 | Ann Arbor Postal | Trend (5q) | 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 | Ann Arbor Postal | Trend (5q) | 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.