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 | $33.4M | $32.2M | $24.1M | $1.3M | $-701K | -2.80% | 5.80% | 2.86% | 7,955 |
| Q2 2025 | $36.8M | $35.4M | $23.4M | $1.4M | $-581K | -3.15% | 5.23% | 2.59% | 8,423 |
| Q1 2025 | $38.5M | $36.6M | $23.7M | $2.1M | $-271K | -2.81% | 4.97% | 2.43% | 8,437 |
| Q4 2024 | $38.3M | $36.0M | $24.4M | $2.3M | $-838K | -2.19% | 4.92% | 2.41% | 8,430 |
| Q3 2024 | $39.0M | $36.3M | $25.9M | $3.0M | $-93K | -0.32% | 4.83% | 2.20% | 8,279 |
| Q2 2024 | $40.2M | $37.5M | $26.9M | $3.0M | $-114K | -0.57% | 4.10% | 2.00% | 8,269 |
Loan mix (Q3 2025): real estate $9.4M · commercial $183K · consumer $14.3M · securities $4.9M
Nothing unusual in — — steady quarter.
| Ratio | Cencap | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.80% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -74.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.80% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.5% |
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 | Cencap | 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 | Cencap | 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 | Cencap | 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 | Cencap | 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.