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 | $10.1M | $6.9M | $2.0M | $3.2M | $-1.7M | -17.13% | -4.88% | 0.06% | 898 |
| Q3 2025 | $10.9M | $6.1M | $2.0M | $4.8M | $-168K | -2.06% | 2.90% | 0.64% | 903 |
| Q2 2025 | $11.1M | $6.2M | $2.1M | $4.8M | $-101K | -1.83% | 2.79% | 0.05% | 955 |
| Q1 2025 | $11.9M | $7.0M | $2.2M | $4.9M | $-42K | -1.41% | 2.41% | 0.10% | 957 |
| Q4 2024 | $12.4M | $7.5M | $2.1M | $4.9M | $-195K | -1.58% | 2.23% | 0.47% | 962 |
| Q3 2024 | $12.9M | $8.0M | $2.2M | $4.9M | $-245K | -2.53% | 2.12% | 0.16% | 961 |
| Q2 2024 | $13.5M | $8.5M | $2.3M | $5.0M | $-171K | -2.53% | 1.97% | 0.24% | 1,040 |
Loan mix (Q4 2025): real estate $940K · commercial $0 · consumer $935K · securities $4.8M
Nothing unusual in — — steady quarter.
| Ratio | Focus First | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -17.13% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -54.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | -4.88% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
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 | Focus First | 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 | Focus First | 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 | Focus First | 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 | Focus First | 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.