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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $25.7M | $21.8M | $18.6M | $3.0M | $-801K | -12.45% | 3.81% | 0.69% | 2,118 |
| Q4 2024 | $27.0M | $23.2M | $20.0M | $3.8M | $-501K | -1.86% | 3.09% | 0.36% | 2,405 |
| Q3 2024 | $29.6M | $25.5M | $21.0M | $3.9M | $-473K | -2.13% | 2.67% | 0.42% | 2,614 |
| Q2 2024 | $31.7M | $27.6M | $20.8M | $4.0M | $-324K | -2.04% | 2.32% | 0.43% | 2,714 |
Loan mix (Q1 2025): real estate $8.7M · commercial $341K · consumer $9.0M · securities $3.9M
Nothing unusual in — — steady quarter.
| Ratio | Dale Community | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -12.45% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -105.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 344.8% |
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 | Dale Community | Trend (4q) | 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 | Dale Community | Trend (4q) | 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 | Dale Community | Trend (4q) | 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 | Dale Community | Trend (4q) | 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 | Dale Community | Trend (4q) | 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.
2 branches in 2 counties across 1 state (+0 vs 2023). Biggest market: Platte, NE, ranked 16th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Platte, NE | 1 | $13.8M* | 0.70% | 16th |
| Madison, NE | 1 | $13.8M* | 0.62% | 15th |
Nebraska: 186th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2