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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $47.1M | $46.3M | $14.2M | $3.2M | $-111K | -0.95% | 2.78% | 0.34% | 3,849 |
| Q4 2024 | $44.1M | $43.7M | $15.0M | $3.3M | $-608K | -1.38% | 2.39% | 1.83% | 3,911 |
| Q3 2024 | $46.5M | $44.9M | $14.9M | $3.4M | $-482K | -1.38% | 2.20% | 2.34% | 4,005 |
| Q2 2024 | $47.7M | $46.3M | $15.5M | $3.6M | $-372K | -1.56% | 2.12% | 2.30% | 4,072 |
Loan mix (Q1 2025): real estate $3.4M · commercial $3.6M · consumer $6.7M · securities $23.5M
Nothing unusual in — — steady quarter.
| Ratio | Central Communications | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.95% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -14.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.3% | Not enough history yet. | — | — |
Peer lists, growth filters, CSV export, CRM push.
| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Central Communications | Trend (4q) | 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 | Central Communications | Trend (4q) | 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 | Central Communications | Trend (4q) | 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 | Central Communications | Trend (4q) | 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.