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 | $157.8M | $139.3M | $68.3M | $17.3M | $601K | 0.51% | 2.87% | 1.18% | 10,260 |
| Q2 2025 | $161.8M | $142.8M | $70.2M | $17.1M | $421K | 0.52% | 2.73% | 1.15% | 10,237 |
| Q1 2025 | $160.2M | $141.6M | $67.2M | $16.8M | $120K | 0.30% | 2.61% | 0.85% | 10,243 |
| Q4 2024 | $156.3M | $138.2M | $68.1M | $16.7M | $643K | 0.41% | 2.65% | 1.31% | 10,302 |
| Q3 2024 | $153.9M | $135.4M | $66.1M | $16.6M | $489K | 0.42% | 2.68% | 1.16% | 10,306 |
| Q2 2024 | $154.7M | $137.2M | $66.4M | $16.4M | $295K | 0.38% | 2.63% | 1.06% | 10,274 |
Loan mix (Q3 2025): real estate $50.3M · commercial $4.5M · consumer $13.3M · securities $64.0M
Nothing unusual in — — steady quarter.
| Ratio | Crosspoint | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% |
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 | Crosspoint | 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 | Crosspoint | 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 | Crosspoint | 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 | Crosspoint | 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.