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 | $39.5M | $35.7M | $23.8M | $3.6M | $-111K | -0.28% | 3.12% | 0.10% | 3,583 |
| Q3 2025 | $40.2M | $36.3M | $24.2M | $3.6M | $-81K | -0.27% | 3.05% | 0.15% | 3,636 |
| Q2 2025 | $41.4M | $37.7M | $24.3M | $3.7M | $-54K | -0.26% | 2.93% | 0.12% | 3,686 |
| Q1 2025 | $42.3M | $38.2M | $24.5M | $3.7M | $-37K | -0.35% | 2.86% | 1.24% | 3,732 |
| Q4 2024 | $41.3M | $37.5M | $25.1M | $3.7M | $-173K | -0.42% | 2.90% | 1.72% | 3,747 |
| Q3 2024 | $41.8M | $37.9M | $25.4M | $3.8M | $-120K | -0.38% | 2.86% | 1.48% | 3,794 |
| Q2 2024 | $40.9M | $36.9M | $26.1M | $3.8M | $-88K | -0.43% | 2.94% | 1.41% | 3,853 |
Loan mix (Q4 2025): real estate $14.0M · commercial $0 · consumer $9.6M · securities $12.8M
Nothing unusual in — — steady quarter.
| Ratio | Coral Community | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.8% |
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 | Coral Community | 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 | Coral Community | 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 | Coral Community | 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 | Coral Community | 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.