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 | $358.5M | $300.2M | $280.8M | $53.6M | $1.9M | 0.54% | 3.53% | 1.38% | 33,590 |
| Q3 2025 | $342.2M | $284.6M | $283.0M | $54.2M | $2.5M | 0.98% | 3.78% | 1.20% | 33,369 |
| Q2 2025 | $342.3M | $285.4M | $279.1M | $53.4M | $1.7M | 1.00% | 3.66% | 1.27% | 33,675 |
| Q1 2025 | $335.8M | $282.2M | $275.7M | $52.3M | $595K | 0.71% | 3.55% | 1.02% | 32,928 |
| Q4 2024 | $327.2M | $273.6M | $278.4M | $51.7M | $2.2M | 0.68% | 3.41% | 1.20% | 32,839 |
| Q3 2024 | $325.6M | $272.4M | $283.3M | $52.3M | $2.8M | 1.15% | 3.56% | 1.25% | 32,775 |
| Q2 2024 | $337.2M | $279.0M | $286.3M | $51.3M | $1.8M | 1.06% | 3.38% | 1.11% | 32,642 |
Loan mix (Q4 2025): real estate $165.1M · commercial $354K · consumer $107.0M · securities $27.1M
Nothing unusual in — — steady quarter.
| Ratio | Hudson River Community | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% |
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 | Hudson River Community | 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 | Hudson River Community | 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 | Hudson River Community | 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 | Hudson River Community | 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.