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 →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.8 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | -19.37% | 0.65% | -20.0 pts |
| ROE | -175.4% | 4.4% | -179.8 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.8M | $68.9M | $52.7M | $8.7M | $-3.8M | -19.37% | -13.56% | 1.19% | 6,390 |
| Q4 2025 | $77.9M | $64.2M | $53.8M | $12.6M | $440K | 0.56% | 3.39% | 0.27% | 6,464 |
| Q3 2025 | $79.8M | $66.1M | $54.6M | $12.4M | $289K | 0.48% | 3.30% | 0.13% | 6,511 |
| Q2 2025 | $80.3M | $66.8M | $53.8M | $12.3M | $172K | 0.43% | 3.20% | 1.04% | 6,546 |
| Q1 2025 | $80.1M | $66.7M | $53.7M | $12.3M | $93K | 0.47% | 3.16% | 0.15% | 6,579 |
| Q4 2024 | $77.6M | $64.3M | $54.4M | $12.2M | $439K | 0.57% | 3.29% | 0.97% | 6,601 |
| Q3 2024 | $77.6M | $64.6M | $55.1M | $12.2M | $390K | 0.67% | 3.30% | 1.63% | 6,683 |
| Q2 2024 | $77.7M | $64.6M | $56.0M | $12.0M | $218K | 0.56% | 3.24% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.37% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -175.4% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | -13.56% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
Peer lists, growth filters, CSV export, CRM push.
| 6,747 |
Loan mix (Q1 2026): real estate $36.9M · commercial $0 · consumer $15.0M · securities $555K
| 80.6% |
| — |
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 (8q) | 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 (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | 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 (8q) | 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 (8q) | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Kenton, KY, ranked 15th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kenton, KY | 1 | $66.8M* | 1.47% | 15th |
Kentucky: 162nd with 0.05% · Cincinnati metro: 57th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1