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 | $2.0M | $1.3M | $422K | $689K | $-20K | -1.33% | 1.25% | 0.00% | 268 |
| Q2 2025 | $2.2M | $1.4M | $482K | $710K | $693 | 0.06% | 2.42% | 0.00% | 269 |
| Q1 2025 | $2.1M | $1.4M | $532K | $710K | $636 | 0.12% | 2.45% | 0.00% | 266 |
| Q4 2024 | $2.1M | $1.4M | $606K | $709K | $3K | 0.14% | 2.57% | 0.07% | 270 |
| Q3 2024 | $2.2M | $1.5M | $596K | $708K | $2K | 0.14% | 2.45% | 0.12% | 269 |
| Q2 2024 | $2.4M | $1.7M | $672K | $706K | $183 | 0.02% | 2.22% | 0.00% | 271 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $417K · securities $1.2M
Nothing unusual in — — steady quarter.
| Ratio | District 123 | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.33% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -3.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.25% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 215.5% |
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 | District 123 | 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 | District 123 | 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 | District 123 | 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 | District 123 | 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.