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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $38.5M | $35.4M | $17.8M | $4.0M | $172K | 0.45% | 3.13% | 1.33% | 2,872 |
| Q3 2025 | $37.3M | $34.2M | $17.7M | $4.0M | $123K | 0.44% | 3.20% | 1.44% | 2,896 |
| Q2 2025 | $39.6M | $36.7M | $17.5M | $3.9M | $28K | 0.14% | 2.94% | 0.04% | 2,928 |
| Q1 2025 | $38.0M | $35.2M | $17.4M | $3.9M | $12K | 0.13% | 3.01% | 0.21% | 2,951 |
| Q4 2024 | $40.1M | $37.4M | $17.0M | $3.9M | $-70K | -0.18% | 2.46% | 0.01% | 3,177 |
| Q3 2024 | $39.1M | $36.3M | $17.4M | $3.9M | $-47K | -0.16% | 2.45% | 0.07% | 3,220 |
| Q2 2024 | $43.3M | $40.8M | $17.5M | $3.9M | $-41K | -0.19% | 2.16% | 0.04% | 3,244 |
Loan mix (Q4 2025): real estate $7.1M · commercial $2.6M · consumer $6.1M · securities $14.0M
Nothing unusual in — — steady quarter.
| Ratio | First Area | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% |
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 | First Area | Trend (7q) | 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 | First Area | Trend (7q) | 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 | First Area | Trend (7q) | 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 | First Area | Trend (7q) | 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.