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 | $159.5M | $133.1M | $127.2M | $11.2M | $-1.8M | -1.14% | 2.65% | 0.32% | 9,850 |
| Q3 2025 | $163.2M | $135.6M | $128.4M | $12.7M | $-308K | -0.25% | 2.55% | 0.39% | 9,851 |
| Q2 2025 | $165.3M | $138.9M | $122.4M | $12.8M | $-215K | -0.26% | 2.43% | 0.72% | 9,332 |
| Q1 2025 | $154.7M | $128.1M | $113.2M | $12.9M | $-75K | -0.20% | 2.59% | 0.19% | 6,372 |
| Q4 2024 | $149.6M | $122.8M | $110.5M | $13.2M | $-49K | -0.03% | 2.45% | 0.34% | 9,720 |
| Q3 2024 | $150.5M | $122.5M | $110.5M | $13.2M | $-50K | -0.04% | 2.43% | 0.61% | 9,643 |
| Q2 2024 | $147.7M | $122.9M | $110.3M | $13.2M | $-9K | -0.01% | 2.46% | 0.07% | 9,456 |
Loan mix (Q4 2025): real estate $98.0M · commercial $18.3M · consumer $10.8M · securities $16.7M
Nothing unusual in — — steady quarter.
| Ratio | Arrha | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.14% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -16.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.9% |
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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 | Arrha | 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 | Arrha | 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 | Arrha | 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 | Arrha | 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.