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 | $69.5M | $61.5M | $40.7M | $6.7M | $79K | 0.23% | 3.39% | 0.60% | 4,602 |
| Q1 2025 | $69.1M | $61.2M | $41.2M | $6.6M | $47K | 0.27% | 3.38% | 0.62% | 4,662 |
| Q4 2024 | $68.3M | $60.4M | $41.4M | $6.6M | $222K | 0.32% | 3.40% | 0.59% | 4,650 |
| Q3 2024 | $68.4M | $58.8M | $42.0M | $6.7M | $190K | 0.37% | 3.45% | 0.65% | 4,684 |
| Q2 2024 | $70.4M | $62.2M | $42.0M | $6.6M | $102K | 0.29% | 3.19% | 0.47% | 4,702 |
Loan mix (Q2 2025): real estate $30.0M · commercial $0 · consumer $10.4M · securities $12.2M
Nothing unusual in — — steady quarter.
| Ratio | Cornerstone Community | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% |
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 | Cornerstone 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 | Cornerstone 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 | Cornerstone 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 | Cornerstone 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.