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) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +8.5% | +0.9% | +7.5 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.3 pts |
| ROA | -24.40% | 0.65% | -25.0 pts |
| ROE | -148.2% | 4.4% | -152.6 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.6M | $17.1M | $14.6M | $3.4M | $-1.3M | -24.40% | -21.79% | 0.00% | 1,208 |
| Q4 2025 | $20.3M | $15.6M | $14.7M | $4.6M | $422K | 2.08% | 4.19% | 0.00% | 1,210 |
| Q3 2025 | $20.4M | $15.8M | $15.0M | $4.5M | $306K | 2.00% | 4.11% | 0.00% | 1,225 |
| Q2 2025 | $20.2M | $15.7M | $14.8M | $4.4M | $194K | 1.93% | 4.08% | 0.00% | 1,227 |
| Q1 2025 | $20.1M | $15.8M | $14.5M | $4.3M | $80K | 1.59% | 3.94% | 0.23% | 1,233 |
| Q4 2024 | $19.7M | $15.4M | $14.8M | $4.2M | $373K | 1.90% | 4.04% | 0.00% | 1,252 |
| Q3 2024 | $19.8M | $15.6M | $15.1M | $4.1M | $279K | 1.88% | 3.94% | 0.00% | 1,258 |
| Q2 2024 | $20.2M | $16.1M | $15.2M | $4.0M | $170K | 1.69% | 3.78% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -24.40% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -148.2% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | -21.79% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
Peer lists, growth filters, CSV export, CRM push.
| 1,255 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $4.0M · securities $4.6M
| 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: La Crosse, WI, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Crosse, WI | 1 | $15.7M* | 0.29% | 27th |
Wisconsin: 290th with 0.01% · La Crosse-Onalaska metro: 35th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1