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 | $3.65B | $2.98B | $2.07B | $423.8M | $25.4M | 0.93% | 3.00% | 0.53% | 183,092 |
| Q2 2025 | $3.51B | $2.87B | $2.06B | $414.1M | $15.7M | 0.90% | 3.01% | 0.50% | 179,557 |
| Q1 2025 | $3.49B | $2.86B | $2.03B | $409.0M | $6.6M | 0.75% | 2.75% | 0.53% | 178,883 |
| Q4 2024 | $2.89B | $2.28B | $1.68B | $357.1M | $33.7M | 1.16% | 2.99% | 0.63% | 154,823 |
| Q3 2024 | $3.42B | $2.26B | $1.67B | $353.1M | $29.6M | 1.16% | 2.54% | 0.55% | 154,344 |
| Q2 2024 | $3.41B | $2.29B | $1.68B | $345.4M | $22.0M | 1.29% | 2.51% | 0.57% | 153,523 |
Loan mix (Q3 2025): real estate $1.04B · commercial $432.3M · consumer $599.9M · securities $1.24B
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.