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 | $202.2M | $170.0M | $137.2M | $28.4M | $1.0M | 0.52% | 3.71% | 0.56% | 14,429 |
| Q3 2025 | $206.1M | $173.8M | $143.4M | $28.1M | $726K | 0.47% | 3.67% | 0.80% | 14,313 |
| Q2 2025 | $213.6M | $182.3M | $149.3M | $27.8M | $400K | 0.38% | 3.55% | 0.33% | 14,114 |
| Q1 2025 | $238.1M | $206.8M | $155.0M | $27.4M | $16K | 0.03% | 2.99% | 0.39% | 13,954 |
| Q4 2024 | $218.8M | $179.0M | $160.1M | $27.4M | $1.5M | 0.69% | 3.42% | 0.51% | 13,737 |
| Q3 2024 | $228.2M | $189.5M | $164.0M | $27.1M | $1.2M | 0.69% | 3.31% | 0.35% | 13,528 |
| Q2 2024 | $236.5M | $200.5M | $169.8M | $26.7M | $733K | 0.62% | 3.19% | 0.34% | 13,376 |
Loan mix (Q4 2025): real estate $72.7M · commercial $0 · consumer $64.1M · securities $37.5M
Nothing unusual in — — steady quarter.
| Ratio | Coca-Cola | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Coca-Cola | 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 | Coca-Cola | 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 | Coca-Cola | 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 | Coca-Cola | 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.