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 | $96.9M | $78.0M | $42.1M | $14.3M | $194K | 0.20% | 3.59% | 1.23% | 6,315 |
| Q3 2025 | $95.8M | $77.1M | $42.8M | $14.4M | $233K | 0.32% | 3.59% | 2.27% | 6,384 |
| Q2 2025 | $97.3M | $78.4M | $43.8M | $14.4M | $274K | 0.56% | 3.50% | 1.89% | 6,494 |
| Q1 2025 | $98.0M | $79.1M | $45.2M | $14.2M | $122K | 0.50% | 3.46% | 1.30% | 6,511 |
| Q4 2024 | $97.1M | $78.2M | $46.7M | $14.1M | $840K | 0.86% | 3.32% | 1.75% | 6,528 |
| Q3 2024 | $98.5M | $79.8M | $48.1M | $14.0M | $692K | 0.94% | 3.38% | 0.40% | 6,701 |
| Q2 2024 | $99.7M | $81.2M | $49.5M | $13.7M | $414K | 0.83% | 3.24% | 0.49% | 6,768 |
Loan mix (Q4 2025): real estate $26.2M · commercial $0 · consumer $15.3M · securities $31.6M
Nothing unusual in — — steady quarter.
| Ratio | Community Choice | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% |
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 | Community Choice | 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 | Community Choice | 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 | Community Choice | 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 | Community Choice | 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.