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 | $181.3M | $153.7M | $142.0M | $12.5M | $-1.0M | -0.58% | 2.90% | 0.99% | 6,171 |
| Q3 2025 | $183.8M | $155.4M | $142.8M | $12.8M | $-867K | -0.63% | 2.83% | 1.26% | 6,490 |
| Q2 2025 | $183.3M | $152.9M | $138.2M | $13.0M | $-607K | -0.66% | 2.80% | 0.77% | 6,471 |
| Q1 2025 | $173.3M | $143.2M | $131.2M | $13.4M | $-274K | -0.63% | 2.89% | 0.21% | 6,125 |
| Q4 2024 | $169.1M | $138.7M | $128.9M | $13.7M | $-1.2M | -0.70% | 2.99% | 1.09% | 6,426 |
| Q3 2024 | $171.7M | $140.5M | $126.7M | $14.0M | $-923K | -0.72% | 2.92% | 1.02% | 4,117 |
| Q2 2024 | $163.6M | $136.4M | $120.9M | $14.3M | $-666K | -0.81% | 3.06% | 1.02% | 3,975 |
Loan mix (Q4 2025): real estate $90.9M · commercial $29.3M · consumer $21.7M · securities $24.4M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.58% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -8.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.1% |
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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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.