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 | $143.7M | $136.2M | $103.8M | $6.9M | $-335K | -0.23% | 2.34% | 0.69% | 9,593 |
| Q3 2025 | $144.6M | $136.5M | $105.1M | $7.1M | $-160K | -0.15% | 2.25% | 0.68% | 9,575 |
| Q2 2025 | $147.1M | $138.0M | $103.2M | $7.2M | $-73K | -0.10% | 2.17% | 0.28% | 9,377 |
| Q1 2025 | $152.6M | $143.3M | $93.7M | $7.2M | $-101K | -0.26% | 1.91% | 0.51% | 9,062 |
| Q4 2024 | $139.0M | $130.2M | $85.7M | $7.3M | $1K | 0.00% | 1.99% | 0.68% | 8,716 |
| Q3 2024 | $99.6M | $91.6M | $75.1M | $7.4M | $86K | 0.11% | 2.72% | 0.43% | 8,407 |
| Q2 2024 | $93.7M | $85.0M | $72.5M | $7.4M | $74K | 0.16% | 2.83% | 0.18% | 8,304 |
Loan mix (Q4 2025): real estate $18.0M · commercial $0 · consumer $74.7M · securities $18.1M
Nothing unusual in — — steady quarter.
| Ratio | Gp | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% |
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 | Gp | 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 | Gp | 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 | Gp | 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 | Gp | 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.