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 | $5.44B | $4.77B | $3.73B | $562.9M | $37.1M | 0.91% | 3.48% | 0.89% | 380,564 |
| Q2 2025 | $5.38B | $4.73B | $3.62B | $547.3M | $21.5M | 0.80% | 3.43% | 0.66% | 374,452 |
| Q1 2025 | $5.33B | $4.69B | $3.55B | $527.8M | $2.1M | 0.16% | 3.36% | 0.71% | 368,055 |
| Q4 2024 | $5.08B | $4.26B | $3.43B | $522.3M | $35.8M | 0.71% | 3.23% | 0.64% | 341,823 |
| Q3 2024 | $5.43B | $4.25B | $3.35B | $511.0M | $22.6M | 0.56% | 2.94% | 0.58% | 336,484 |
| Q2 2024 | $5.37B | $4.20B | $3.30B | $500.8M | $15.3M | 0.57% | 2.90% | 0.92% | 330,722 |
Loan mix (Q3 2025): real estate $1.98B · commercial $492.1M · consumer $1.20B · securities $1.01B
Nothing unusual in — — steady quarter.
| Ratio | Communityamerica | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% |
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 | Communityamerica | 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 | Communityamerica | 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 | Communityamerica | 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 | Communityamerica | 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.