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) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.0% | +0.9% | -3.9 pts |
| Loan growth (YoY) | -4.9% | -2.6% | -2.3 pts |
| ROA | 0.92% | 0.65% | +0.3 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.2M | $36.9M | $16.2M | $5.3M | $97K | 0.92% | 3.87% | 0.19% | 4,369 |
| Q4 2025 | $41.6M | $36.2M | $16.6M | $5.2M | $294K | 0.71% | 4.17% | 0.15% | 4,401 |
| Q3 2025 | $42.0M | $36.6M | $17.0M | $5.2M | $254K | 0.81% | 4.15% | 0.18% | 4,482 |
| Q2 2025 | $43.3M | $38.1M | $17.1M | $5.1M | $169K | 0.78% | 3.98% | 0.25% | 4,541 |
| Q1 2025 | $43.2M | $38.0M | $17.0M | $5.0M | $75K | 0.69% | 3.92% | 0.33% | 4,600 |
| Q4 2024 | $42.4M | $37.3M | $18.0M | $4.9M | $279K | 0.66% | 4.14% | 0.26% | 4,632 |
| Q3 2024 | $42.4M | $37.4M | $18.5M | $4.9M | $272K | 0.86% | 4.15% | 0.23% | 4,707 |
| Q2 2024 | $43.6M | $38.7M | $18.7M | $4.8M | $187K | 0.86% | 4.03% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% |
Peer lists, growth filters, CSV export, CRM push.
| 4,752 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $10.6M · securities $8.2M
| 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.
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Baltimore, MD, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baltimore, MD | 1 | $19.0M* | 0.06% | 37th |
| Cecil, MD | 1 | $19.0M* | 0.91% | 11th |
Maryland: 115th with 0.02% · Baltimore-Columbia-Towson metro: 63rd, 0.02% · Philadelphia-Camden-Wilmington metro: 136th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2