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) | +0.1% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.5 pts |
| Loan growth (YoY) | -0.0% | -2.6% | +2.6 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.2M | $38.9M | $32.2M | $5.4M | $76K | 0.68% | 4.45% | 0.83% | 3,541 |
| Q4 2025 | $43.6M | $38.6M | $33.2M | $5.3M | $269K | 0.62% | 4.37% | 1.68% | 3,588 |
| Q3 2025 | $43.4M | $38.3M | $32.7M | $5.3M | $168K | 0.52% | 4.30% | 1.00% | 3,625 |
| Q2 2025 | $43.3M | $38.1M | $32.1M | $5.3M | $187K | 0.87% | 4.25% | 1.10% | 3,638 |
| Q1 2025 | $44.1M | $39.1M | $32.2M | $5.2M | $43K | 0.39% | 4.02% | 0.82% | 3,678 |
| Q4 2024 | $43.3M | $38.5M | $32.8M | $5.1M | $219K | 0.50% | 4.04% | 0.84% | 3,723 |
| Q3 2024 | $44.2M | $39.4M | $33.0M | $5.1M | $171K | 0.51% | 3.88% | 0.78% | 3,792 |
| Q2 2024 | $43.0M | $38.3M | $32.9M | $5.0M | $96K | 0.45% | 3.93% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% |
Peer lists, growth filters, CSV export, CRM push.
| 3,817 |
Loan mix (Q1 2026): real estate $13.8M · commercial $0 · consumer $17.3M · securities $1.8M
| 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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Yakima, WA, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yakima, WA | 3 | $28.6M* | 0.50% | 18th |
| Spokane, WA | 1 | $9.5M* | 0.04% | 38th |
Washington: 140th with 0.01% · Yakima metro: 18th, 0.50% · Spokane-Spokane Valley metro: 39th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4