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) | -40.9% | +1.3% | -42.2 pts |
| Share growth (YoY) | -38.9% | +0.9% | -39.9 pts |
| Loan growth (YoY) | -24.4% | -2.6% | -21.8 pts |
| ROA | -45.52% | 0.65% | -46.2 pts |
| ROE | -564.9% | 4.4% | -569.3 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $738K | $673K | $462K | $60K | $-84K | -45.52% | -2.08% | 0.00% | 282 |
| Q4 2025 | $1.1M | $995K | $525K | $144K | $-2K | -0.21% | 5.66% | 4.50% | 353 |
| Q3 2025 | $1.2M | $1.1M | $603K | $147K | $834 | 0.09% | 5.42% | 2.82% | 730 |
| Q2 2025 | $1.3M | $1.1M | $651K | $148K | $3K | 0.40% | 5.35% | 1.31% | 729 |
| Q1 2025 | $1.3M | $1.1M | $612K | $147K | $675 | 0.22% | 5.44% | 0.36% | 384 |
| Q4 2024 | $1.3M | $1.2M | $665K | $146K | $-770 | -0.06% | 5.53% | 1.61% | 383 |
| Q3 2024 | $1.4M | $1.3M | $707K | $150K | $3K | 0.31% | 5.10% | 0.31% | 378 |
| Q2 2024 | $1.5M | $1.3M | $751K | $149K | $3K | 0.34% | 4.94% | 0.00% | 384 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -45.52% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -564.9% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | -2.08% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
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Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $460K · securities $12K
| 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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Jackson, MO, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 3 | $1.1M* | 0.00% | 62nd |
Missouri: 363rd with 0.00% · Kansas City metro: 154th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3