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 | $149.7M | $129.2M | $47.6M | $19.8M | $928K | 0.83% | 3.77% | 0.35% | 11,834 |
| Q2 2025 | $151.8M | $130.9M | $48.3M | $19.6M | $692K | 0.91% | 3.65% | 0.44% | 11,981 |
| Q1 2025 | $151.6M | $131.1M | $48.5M | $19.3M | $374K | 0.99% | 3.56% | 0.65% | 11,957 |
| Q4 2024 | $146.7M | $126.7M | $48.9M | $19.0M | $1.4M | 0.95% | 3.52% | 0.60% | 11,968 |
| Q3 2024 | $148.0M | $127.5M | $49.4M | $18.7M | $1.1M | 1.03% | 3.46% | 0.51% | 12,010 |
| Q2 2024 | $149.7M | $129.2M | $49.8M | $18.4M | $796K | 1.06% | 3.36% | 0.55% | 12,035 |
Loan mix (Q3 2025): real estate $6.0M · commercial $0 · consumer $30.5M · securities $84.4M
Nothing unusual in — — steady quarter.
| Ratio | First Coast Community | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% |
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 Coast Community | 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 | First Coast Community | 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 | First Coast Community | 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 | First Coast Community | 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.