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 | $196.5M | $176.9M | $143.3M | $17.4M | $229K | 0.16% | 2.90% | 0.36% | 12,915 |
| Q2 2025 | $201.3M | $178.8M | $145.8M | $17.5M | $322K | 0.32% | 2.80% | 0.55% | 12,916 |
| Q1 2025 | $200.5M | $177.6M | $147.0M | $17.4M | $206K | 0.41% | 2.76% | 0.85% | 12,899 |
| Q4 2024 | $197.4M | $173.1M | $147.9M | $17.2M | $-1.2M | -0.63% | 2.75% | 0.34% | 13,144 |
| Q3 2024 | $195.8M | $167.9M | $149.5M | $18.7M | $217K | 0.15% | 2.76% | 0.27% | 13,114 |
| Q2 2024 | $194.8M | $166.5M | $151.3M | $19.0M | $510K | 0.52% | 2.75% | 0.39% | 13,113 |
Loan mix (Q3 2025): real estate $90.2M · commercial $10.1M · consumer $39.2M · securities $25.3M
Nothing unusual in — — steady quarter.
| Ratio | Emery | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% |
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 | Emery | 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 | Emery | 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 | Emery | 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 | Emery | 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.