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 | $191.0M | $163.4M | $110.5M | $22.0M | $331 | 0.00% | 3.51% | 1.17% | 11,027 |
| Q2 2025 | $192.4M | $164.9M | $115.9M | $22.0M | $1K | 0.00% | 3.46% | 1.07% | 11,243 |
| Q1 2025 | $193.6M | $165.9M | $121.5M | $22.1M | $81K | 0.17% | 3.41% | 1.10% | 11,524 |
| Q4 2024 | $187.0M | $159.1M | $127.2M | $22.0M | $648K | 0.35% | 3.89% | 0.94% | 11,837 |
| Q3 2024 | $197.5M | $169.6M | $132.7M | $22.4M | $835K | 0.56% | 3.75% | 0.86% | 12,174 |
| Q2 2024 | $201.7M | $173.7M | $138.6M | $22.1M | $515K | 0.51% | 3.70% | 0.74% | 12,474 |
Loan mix (Q3 2025): real estate $4.3M · commercial $0 · consumer $6.3M · securities $316K
Nothing unusual in — — steady quarter.
| Ratio | Community 1St | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.1% |
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 | Community 1St | 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 | Community 1St | 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 | Community 1St | 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 | Community 1St | 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.