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 | $5.3M | $4.1M | $1.1M | $1.1M | $33K | 0.84% | 2.52% | 0.38% | 508 |
| Q2 2025 | $5.3M | $4.2M | $1.1M | $1.1M | $20K | 0.77% | 2.37% | 4.97% | 511 |
| Q1 2025 | $5.4M | $4.3M | $1.1M | $1.1M | $7K | 0.55% | 2.10% | 5.30% | 512 |
| Q4 2024 | $5.5M | $4.4M | $1.2M | $1.1M | $45K | 0.82% | 2.29% | 0.40% | 514 |
| Q3 2024 | $5.6M | $4.5M | $1.1M | $1.1M | $29K | 0.70% | 2.17% | 0.39% | 515 |
| Q2 2024 | $5.6M | $4.5M | $1.1M | $1.1M | $20K | 0.71% | 2.15% | 0.15% | 524 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $1.1M · securities $2.3M
Nothing unusual in — — steady quarter.
| Ratio | Hempfield Area | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Hempfield Area | 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 | Hempfield Area | 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 | Hempfield Area | 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 | Hempfield Area | 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.