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 | $829.4M | $728.7M | $579.2M | $84.7M | $-10.7M | -1.73% | 3.89% | 1.46% | 63,238 |
| Q2 2025 | $846.7M | $744.1M | $593.0M | $96.6M | $1.1M | 0.26% | 3.82% | 1.43% | 63,458 |
| Q1 2025 | $862.2M | $758.8M | $602.4M | $95.8M | $377K | 0.17% | 3.64% | 1.48% | 63,376 |
| Q4 2024 | $842.8M | $741.7M | $609.1M | $95.5M | $3.7M | 0.44% | 3.66% | 1.89% | 63,716 |
| Q3 2024 | $871.5M | $750.7M | $610.0M | $95.2M | $3.0M | 0.45% | 3.51% | 1.70% | 63,634 |
| Q2 2024 | $861.7M | $739.4M | $611.2M | $94.5M | $2.2M | 0.52% | 3.51% | 1.23% | 63,530 |
Loan mix (Q3 2025): real estate $139.4M · commercial $97.0M · consumer $326.2M · securities $110.9M
Nothing unusual in — — steady quarter.
| Ratio | Envision | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.73% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -16.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.1% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Envision | 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 | Envision | 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 | Envision | 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 | Envision | 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.