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 | $381K | $310K | $229K | $70K | $-6K | -6.02% | 3.31% | 0.00% | 50 |
| Q4 2024 | $373K | $297K | $251K | $76K | $-5K | -1.44% | 3.63% | 0.00% | 151 |
| Q3 2024 | $382K | $298K | $267K | $82K | $-2K | -0.85% | 3.72% | 0.00% | 150 |
| Q2 2024 | $473K | $388K | $293K | $82K | $-7K | -2.91% | 3.09% | 0.00% | 152 |
Loan mix (Q1 2025): real estate $0 · commercial $0 · consumer $218K · securities $51K
Nothing unusual in — — steady quarter.
| Ratio | Atlas | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.02% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -32.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 282.0% | 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 | Atlas | 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 | Atlas | 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 | Atlas | 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 | Atlas | 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% |
The full ratio pack is part of CharterBench Pro.