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 | $36.4M | $32.4M | $16.3M | $3.2M | $-937K | -10.31% | 3.86% | 2.00% | 3,102 |
| Q4 2024 | $36.8M | $32.8M | $18.0M | $4.1M | $-1.3M | -3.53% | 3.98% | 1.18% | 3,194 |
| Q3 2024 | $38.7M | $34.6M | $19.9M | $4.3M | $-1.1M | -3.93% | 3.75% | 3.28% | 2,990 |
| Q2 2024 | $38.7M | $34.1M | $20.7M | $4.9M | $-527K | -2.73% | 3.69% | 2.36% | 5,025 |
Loan mix (Q1 2025): real estate $439K · commercial $0 · consumer $15.7M · securities $11.7M
Nothing unusual in — — steady quarter.
| Ratio | El Reno R.I.L. | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -10.31% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -118.1% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | Not enough history yet. | — | — |
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| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | El Reno R.I.L. | 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 | El Reno R.I.L. | 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 | El Reno R.I.L. | 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 | El Reno R.I.L. | 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% |
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