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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $17.8M | $15.7M | $9.3M | $2.1M | $275K | 1.54% | 3.89% | 0.35% | 1,582 |
| Q3 2025 | $17.8M | $15.7M | $9.9M | $2.1M | $217K | 1.62% | 3.87% | 0.59% | 1,606 |
| Q2 2025 | $18.0M | $16.0M | $10.3M | $2.0M | $155K | 1.72% | 3.64% | 0.44% | 1,624 |
| Q1 2025 | $17.8M | $15.8M | $10.5M | $2.0M | $74K | 1.66% | 3.74% | 0.05% | 1,635 |
| Q4 2024 | $17.6M | $15.7M | $10.6M | $1.9M | $206K | 1.17% | 3.69% | 0.26% | 1,643 |
| Q3 2024 | $17.3M | $15.4M | $10.8M | $1.8M | $125K | 0.97% | 3.70% | 0.52% | 1,633 |
| Q2 2024 | $17.2M | $15.4M | $10.4M | $1.8M | $82K | 0.96% | 3.61% | 0.47% | 1,653 |
Loan mix (Q4 2025): real estate $2.8M · commercial $0 · consumer $5.8M · securities $4.0M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% |
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 | Value | Trend (7q) | 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 (7q) | 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 (7q) | 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 (7q) | 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 (7q) | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cattaraugus, NY, ranked 11th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cattaraugus, NY | 1 | $16.0M* | 0.81% | 11th |
New York: 378th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1