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 | $804.6M | $653.5M | $657.7M | $82.0M | $4.0M | 0.50% | 3.42% | 1.52% | 56,575 |
| Q3 2025 | $789.6M | $621.7M | $668.9M | $80.4M | $2.1M | 0.36% | 3.43% | 1.39% | 55,666 |
| Q2 2025 | $776.7M | $635.5M | $654.6M | $79.7M | $1.4M | 0.37% | 3.41% | 1.36% | 54,549 |
| Q1 2025 | $748.7M | $610.1M | $629.9M | $78.6M | $351K | 0.19% | 3.42% | 1.06% | 53,696 |
| Q4 2024 | $731.0M | $603.7M | $619.3M | $78.2M | $-519K | -0.07% | 3.38% | 1.60% | 54,761 |
| Q3 2024 | $721.2M | $584.5M | $614.1M | $79.6M | $530K | 0.10% | 3.38% | 1.66% | 56,304 |
| Q2 2024 | $729.5M | $602.3M | $604.1M | $79.6M | $570K | 0.16% | 3.35% | 1.61% | 55,879 |
Loan mix (Q4 2025): real estate $381.5M · commercial $36.5M · consumer $231.6M · securities $39.3M
Nothing unusual in — — steady quarter.
| Ratio | Heritage Financial | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% |
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 | Heritage Financial | 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 | Heritage Financial | 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 | Heritage Financial | 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 | Heritage Financial | 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.