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 | $5.3M | $5.3M | $3.7M | $-39K | $-259K | -19.55% | 4.82% | 3.13% | 801 |
| Q4 2024 | $5.2M | $5.0M | $3.7M | $243K | $-217K | -4.18% | 5.68% | 5.51% | 790 |
| Q3 2024 | $5.5M | $5.2M | $4.0M | $357K | $-105K | -2.52% | 5.48% | 4.55% | 783 |
| Q2 2024 | $6.5M | $5.8M | $4.3M | $365K | $-96K | -2.96% | 4.69% | 3.69% | 801 |
Loan mix (Q1 2025): real estate $205K · commercial $0 · consumer $2.9M · securities $362K
Nothing unusual in — — steady quarter.
| Ratio | Eastern Kentucky | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.55% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 2687.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 300.4% | Not enough history yet. | — | — |
Peer lists, growth filters, CSV export, CRM push.
| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Eastern Kentucky | 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 | Eastern Kentucky | 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 | Eastern Kentucky | 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 | Eastern Kentucky | 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.