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 →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +6.9% | +0.9% | +6.0 pts |
| Loan growth (YoY) | -3.8% | -2.6% | -1.2 pts |
| ROA | -3.89% | 0.65% | -4.5 pts |
| ROE | -52.0% | 4.4% | -56.4 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $1.9M | $1.0M | $150K | $-19K | -3.89% | 4.02% | 0.69% | 473 |
| Q4 2025 | $2.0M | $1.9M | $1.0M | $138K | $14K | 0.69% | 2.08% | 0.76% | 542 |
| Q3 2025 | $2.0M | $1.9M | $1.0M | $150K | $25K | 1.70% | 4.34% | 0.69% | 473 |
| Q2 2025 | $2.0M | $1.9M | $1.0M | $138K | $14K | 1.37% | 4.17% | 0.76% | 542 |
| Q1 2025 | $1.9M | $1.8M | $1.1M | $126K | $2K | 0.50% | 4.55% | 1.24% | 541 |
| Q4 2024 | $1.8M | $1.7M | $1.1M | $124K | $19K | 1.03% | 5.42% | 1.06% | 540 |
| Q3 2024 | $1.9M | $1.8M | $1.1M | $172K | $22K | 1.54% | 5.29% | 1.75% | 540 |
| Q2 2024 | $1.9M | $1.7M | $1.2M | $165K | $16K | 1.67% | 5.43% | 2.79% | 535 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.89% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -52.0% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 221.4% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $750K
| 80.6% |
| — |
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 | Value | Trend (8q) | 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 (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | 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 (8q) | 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 (8q) | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Jefferson, AR, ranked 11th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AR | 1 | $1.9M* | 0.07% | 11th |
Arkansas: 170th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Cotton Belt | Merger | Completed | NCUA |