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 | $39.5M | $31.5M | $4.4M | $7.4M | $605K | 2.04% | 3.58% | 0.85% | 2,321 |
| Q2 2025 | $39.2M | $31.3M | $4.7M | $7.2M | $392K | 2.00% | 3.56% | 0.07% | 2,350 |
| Q1 2025 | $42.0M | $34.2M | $5.1M | $7.0M | $202K | 1.92% | 3.22% | 1.05% | 2,241 |
| Q4 2024 | $40.6M | $33.0M | $5.5M | $6.8M | $109K | 0.27% | 3.36% | 0.08% | 2,255 |
| Q3 2024 | $39.5M | $32.1M | $6.1M | $7.3M | $545K | 1.84% | 3.43% | 0.23% | 2,303 |
| Q2 2024 | $40.3M | $32.9M | $6.7M | $7.1M | $351K | 1.75% | 3.35% | 0.49% | 2,327 |
Loan mix (Q3 2025): real estate $147K · commercial $0 · consumer $4.0M · securities $25.4M
Nothing unusual in — — steady quarter.
| Ratio | Freedom 1St | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% |
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 | Freedom 1St | 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 | Freedom 1St | 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 | Freedom 1St | 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 | Freedom 1St | 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.