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 | $225K | $164K | $40K | $61K | $2K | 1.43% | 4.79% | 4.43% | 50 |
| Q1 2025 | $239K | $178K | $45K | $61K | $2K | 2.78% | 5.46% | 4.58% | 55 |
| Q4 2024 | $243K | $184K | $50K | $59K | $-2K | -0.73% | 5.91% | 7.11% | 58 |
| Q3 2024 | $349K | $293K | $56K | $57K | $-4K | -1.70% | 3.96% | 8.54% | 80 |
| Q2 2024 | $351K | $296K | $49K | $54K | $-7K | -3.73% | 3.82% | 15.10% | 83 |
Loan mix (Q2 2025): real estate $0 · commercial $0 · consumer $37K · securities $500
Nothing unusual in — — steady quarter.
| Ratio | Curtis | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% |
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 | Curtis | 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 | Curtis | 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 | Curtis | 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 | Curtis | 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.