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 | $25.1M | $22.9M | $9.0M | $2.1M | $-588K | -2.34% | 3.74% | 1.54% | 2,497 |
| Q3 2025 | $26.1M | $23.3M | $9.6M | $2.6M | $414 | 0.00% | 3.52% | 1.48% | 2,527 |
| Q2 2025 | $26.0M | $23.3M | $10.2M | $2.6M | $83K | 0.63% | 3.73% | 1.07% | 2,727 |
| Q1 2025 | $26.3M | $23.6M | $10.5M | $2.6M | $-150K | -2.28% | 3.82% | 1.03% | 2,748 |
| Q4 2024 | $25.8M | $22.9M | $11.0M | $2.6M | $24K | 0.09% | 3.63% | 1.78% | 2,773 |
| Q3 2024 | $26.5M | $24.0M | $11.2M | $2.6M | $18K | 0.09% | 3.43% | 1.83% | 2,835 |
| Q2 2024 | $27.4M | $24.6M | $11.2M | $2.6M | $-47K | -0.34% | 3.29% | 1.64% | 2,851 |
Loan mix (Q4 2025): real estate $30K · commercial $0 · consumer $8.9M · securities $11.0M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.34% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -28.1% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.9% |
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.
3 branches in 3 counties across 3 states (+0 vs 2024). Biggest market: Kent, DE, ranked 18th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, DE | 1 | $7.8M* | 0.20% | 18th |
| Mecklenburg, NC | 1 | $7.8M* | 0.00% | 53rd |
| Cecil, MD | 1 | $7.8M* | 0.37% | 12th |
Delaware: 47th with 0.00% · Maryland: 137th with 0.00% · North Carolina: 158th with 0.00% · Philadelphia-Camden-Wilmington metro: 149th, 0.00% · Charlotte-Concord-Gastonia metro: 72nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3