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 |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2025 | $5.25B | $4.72B | $3.45B | $490.4M | $20.5M | 0.52% | 2.38% | 0.28% | 201,474 |
| Q2 2025 | $5.19B | $4.63B | $3.39B | $482.5M | $12.7M | 0.49% | 2.36% | 0.30% | 199,526 |
| Q1 2025 | $5.18B | $4.70B | $3.32B | $472.7M | $2.8M | 0.22% | 2.23% | 0.22% | 198,809 |
| Q4 2024 | $5.05B | $4.59B | $3.20B | $469.9M | $20.3M | 0.40% | 2.23% | 0.23% | 197,614 |
| Q3 2024 | $5.13B | $4.55B | $3.10B | $467.2M | $12.4M | 0.32% | 2.18% | 0.51% | 196,473 |
| Q2 2024 | $5.03B | $4.49B | $3.03B | $462.8M | $8.0M | 0.32% | 2.20% | 0.28% | 195,032 |
Loan mix (Q3 2025): real estate $2.26B · commercial $587.9M · consumer $596.4M · securities $916.0M
Nothing unusual in — — steady quarter.
| Ratio | California | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% |
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 | California | Trend (6q) | 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 | California | Trend (6q) | 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 | California | Trend (6q) | 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 | California | Trend (6q) | 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.