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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $51.2M | $50.2M | $30.8M | $1.1M | $-2.0M | -15.32% | 3.69% | 3.62% | 3,879 |
| Q4 2024 | $52.1M | $49.4M | $31.5M | $3.1M | $20K | 0.04% | 2.65% | 2.81% | 3,669 |
| Q3 2024 | $52.9M | $50.0M | $31.9M | $3.2M | $140K | 0.35% | 2.64% | 1.42% | 3,767 |
| Q2 2024 | $46.1M | $44.0M | $32.4M | $3.3M | $223K | 0.97% | 3.42% | 3.08% | 3,793 |
Loan mix (Q1 2025): real estate $16.1M · commercial $379K · consumer $11.6M · securities $11.4M
Nothing unusual in — — steady quarter.
| Ratio | High Peaks | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -15.32% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -709.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 265.1% |
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 | High Peaks | Trend (4q) | 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 | High Peaks | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | High Peaks | Trend (4q) | 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 | High Peaks | Trend (4q) | 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 | High Peaks | Trend (4q) | 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.
3 branches in 3 counties across 1 state (+0 vs 2023). Biggest market: Beaverhead, MT, ranked 4th with 4.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaverhead, MT | 1 | $14.7M* | 4.16% | 4th |
| Madison, MT | 1 | $14.7M* | 4.51% | 5th |
| Jefferson, MT | 1 | $14.7M* | 10.93% | 3rd |
Montana: 65th with 0.10% · Helena metro: 16th, 0.52% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3