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 | $29.0M | $23.4M | $11.4M | $5.7M | $-361K | -1.66% | 6.17% | 0.33% | 5,643 |
| Q2 2025 | $30.0M | $23.9M | $11.9M | $6.1M | $26K | 0.17% | 3.84% | 0.35% | 5,643 |
| Q1 2025 | $30.5M | $24.5M | $11.5M | $6.1M | $13K | 0.17% | 3.73% | 0.67% | 5,579 |
| Q4 2024 | $28.9M | $22.9M | $11.6M | $6.0M | $-43K | -0.15% | 3.42% | 0.49% | 5,594 |
| Q3 2024 | $29.1M | $23.1M | $11.4M | $6.1M | $-26K | -0.12% | 3.31% | 0.60% | 5,643 |
| Q2 2024 | $30.1M | $24.0M | $10.9M | $6.0M | $-56K | -0.37% | 3.04% | 0.83% | 5,683 |
Loan mix (Q3 2025): real estate $2.2M · commercial $0 · consumer $9.0M · securities $7.6M
Nothing unusual in — — steady quarter.
| Ratio | Heights Auto Workers | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.66% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -8.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 6.17% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.4% |
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 | Heights Auto Workers | 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 | Heights Auto Workers | 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 | Heights Auto Workers | 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 | Heights Auto Workers | 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.