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 | $131.9M | $95.3M | $73.5M | $35.7M | $295K | 0.90% | 2.25% | 0.00% | 5,598 |
| Q4 2024 | $127.2M | $91.0M | $76.0M | $35.4M | $1.1M | 0.86% | 2.25% | 0.00% | 5,625 |
| Q3 2024 | $127.5M | $91.5M | $78.7M | $35.2M | $805K | 0.84% | 2.21% | 0.00% | 5,785 |
| Q2 2024 | $127.8M | $91.9M | $81.2M | $34.9M | $502K | 0.79% | 2.17% | 0.00% | 5,891 |
Loan mix (Q1 2025): real estate $58.2M · commercial $0 · consumer $15.0M · securities $23.8M
Nothing unusual in — — steady quarter.
| Ratio | Appletree | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 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 | Appletree | 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 | Appletree | 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 | Appletree | 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 | Appletree | 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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