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 | $966K | $707K | $778K | $256K | $-56K | -5.76% | 7.28% | 6.62% | 173 |
| Q3 2025 | $1.1M | $786K | $809K | $279K | $-36K | -4.43% | 6.85% | 7.31% | 223 |
| Q2 2025 | $1.1M | $770K | $864K | $300K | $-14K | -2.64% | 6.99% | 4.30% | 216 |
| Q1 2025 | $1.1M | $774K | $913K | $312K | $-2K | -0.80% | 7.30% | 2.29% | 413 |
| Q4 2024 | $1.1M | $811K | $968K | $314K | $-62K | -5.49% | 7.78% | 3.47% | 412 |
| Q3 2024 | $1.2M | $834K | $1.0M | $379K | $746 | 0.08% | 7.63% | 1.33% | 411 |
| Q2 2024 | $1.2M | $831K | $1.0M | $376K | $-3K | -0.50% | 7.62% | 1.04% | 413 |
Loan mix (Q4 2025): real estate $0 · commercial $0 · consumer $755K · securities $0
Nothing unusual in — — steady quarter.
| Ratio | Graphic Arts | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.76% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -21.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 7.28% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.4% |
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 | Graphic Arts | 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 | Graphic Arts | 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 | Graphic Arts | 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 | Graphic Arts | 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.