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 | $79.6M | $70.7M | $33.7M | $11.3M | $-13K | -0.06% | 2.14% | 0.10% | 3,534 |
| Q4 2024 | $78.9M | $69.1M | $34.5M | $11.3M | $-250K | -0.32% | 2.15% | 0.10% | 3,590 |
| Q3 2024 | $78.2M | $68.0M | $35.0M | $11.4M | $-118K | -0.20% | 2.20% | 0.06% | 3,674 |
| Q2 2024 | $81.2M | $71.3M | $35.4M | $11.5M | $-78K | -0.19% | 2.13% | 0.08% | 3,742 |
Loan mix (Q1 2025): real estate $4.4M · commercial $22.3M · consumer $6.0M · securities $36.4M
Nothing unusual in — — steady quarter.
| Ratio | Christian Family | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.0% | Not enough history yet. | — | — |
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| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Christian Family | 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 | Christian Family | 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 | Christian Family | 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 | Christian Family | 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.