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 |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $104.3M | $96.4M | $40.1M | $8.8M | $41K | 0.08% | 3.12% | 2.11% | 7,473 |
| Q1 2025 | $103.8M | $96.1M | $42.4M | $8.8M | $19K | 0.07% | 3.09% | 1.74% | 7,500 |
| Q4 2024 | $101.5M | $94.2M | $45.7M | $8.7M | $784K | 0.77% | 2.99% | 2.26% | 14,694 |
| Q3 2024 | $104.4M | $97.6M | $48.3M | $8.4M | $403K | 0.52% | 2.87% | 2.91% | 8,686 |
| Q2 2024 | $110.8M | $105.6M | $50.4M | $7.8M | $-181K | -0.33% | 2.64% | 1.29% | 8,910 |
Loan mix (Q2 2025): real estate $9.1M · commercial $3.0M · consumer $25.5M · securities $37.3M
Nothing unusual in — — steady quarter.
| Ratio | Copoco Community | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% |
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 | Copoco Community | Trend (5q) | 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 | Copoco Community | Trend (5q) | 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 | Copoco Community | Trend (5q) | 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 | Copoco Community | Trend (5q) | 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.