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) | -9.1% | +1.3% | -10.4 pts |
| Share growth (YoY) | -10.5% | +0.9% | -11.5 pts |
| Loan growth (YoY) | -5.6% | -2.6% | -3.0 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.4M | $30.4M | $17.0M | $3.6M | $35K | 0.40% | 3.54% | 0.19% | 2,815 |
| Q4 2025 | $34.3M | $30.6M | $18.4M | $3.6M | $138K | 0.40% | 3.90% | 0.10% | 2,955 |
| Q3 2025 | $37.1M | $32.2M | $18.7M | $3.6M | $147K | 0.53% | 3.57% | 0.54% | 2,994 |
| Q2 2025 | $38.3M | $34.2M | $17.9M | $3.6M | $114K | 0.60% | 3.39% | 0.56% | 3,050 |
| Q1 2025 | $37.9M | $34.0M | $18.0M | $3.5M | $39K | 0.41% | 3.31% | 0.57% | 3,146 |
| Q4 2024 | $37.1M | $33.6M | $17.9M | $3.4M | $256K | 0.69% | 2.92% | 0.00% | 3,127 |
| Q3 2024 | $33.4M | $29.9M | $18.1M | $3.4M | $174K | 0.69% | 3.14% | 0.00% | 3,146 |
| Q2 2024 | $32.8M | $29.3M | $17.5M | $3.3M | $118K | 0.72% | 3.18% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% |
Peer lists, growth filters, CSV export, CRM push.
| 3,147 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $11.6M · securities $14.4M
| 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Notre Dame | Merger | Completed | NCUA |
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Stearns, MN, ranked 34th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stearns, MN | 1 | $17.1M* | 0.18% | 34th |
| Ramsey, MN | 1 | $17.1M* | 0.03% | 50th |
Minnesota: 340th with 0.01% · St. Cloud metro: 37th, 0.17% · Minneapolis-St. Paul-Bloomington metro: 163rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2