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 | $8.08B | $7.14B | $4.89B | $842.6M | $15.7M | 0.19% | 2.89% | 0.62% | 388,883 |
| Q3 2025 | $7.95B | $7.05B | $4.86B | $838.5M | $11.6M | 0.19% | 2.88% | 0.68% | 385,907 |
| Q2 2025 | $8.09B | $7.11B | $4.80B | $831.2M | $4.3M | 0.11% | 2.76% | 0.60% | 381,483 |
| Q1 2025 | $7.95B | $6.99B | $4.82B | $827.0M | $74K | 0.00% | 2.72% | 0.51% | 384,243 |
| Q4 2024 | $7.45B | $6.54B | $4.40B | $828.8M | $22.1M | 0.30% | 2.68% | 0.67% | 371,457 |
| Q3 2024 | $7.44B | $6.46B | $4.36B | $830.2M | $23.5M | 0.42% | 2.65% | 0.53% | 369,210 |
| Q2 2024 | $7.32B | $6.30B | $4.32B | $824.0M | $17.3M | 0.47% | 2.64% | 0.50% | 358,703 |
Loan mix (Q4 2025): real estate $2.19B · commercial $687.8M · consumer $1.49B · securities $2.32B
Nothing unusual in — — steady quarter.
| Ratio | Hudson Valley | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% |
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 | Hudson Valley | 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 Valley | 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 Valley | 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 Valley | 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.