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 | $44.1M | $39.3M | $24.4M | $5.6M | $83K | 0.37% | 4.71% | 0.05% | 4,032 |
| Q1 2025 | $45.3M | $40.9M | $24.0M | $5.6M | $66K | 0.59% | 4.46% | 0.16% | 3,979 |
| Q4 2024 | $43.6M | $37.9M | $23.9M | $5.2M | $181K | 0.42% | 4.23% | 0.80% | 3,969 |
| Q3 2024 | $41.9M | $37.6M | $22.6M | $5.2M | $176K | 0.56% | 4.34% | 0.88% | 3,937 |
| Q2 2024 | $42.1M | $37.9M | $21.3M | $5.1M | $91K | 0.43% | 4.24% | 0.58% | 3,955 |
Loan mix (Q2 2025): real estate $5.2M · commercial $0 · consumer $18.2M · securities $10.1M
Nothing unusual in — — steady quarter.
| Ratio | Blue Chip | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% |
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 | Blue Chip | 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 | Blue Chip | Trend (5q) | 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 | Blue Chip | 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 | Blue Chip | 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 | Blue Chip | 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.
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Mifflin, PA, ranked 6th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mifflin, PA | 1 | $19.7M* | 1.79% | 6th |
| Dauphin, PA | 1 | $19.7M* | 0.19% | 24th |
Pennsylvania: 295th with 0.01% · Harrisburg-Carlisle metro: 32nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2