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 | $654K | $618K | $367K | $35K | $-17K | -3.56% | 5.38% | 13.63% | 328 |
| Q2 2025 | $742K | $705K | $399K | $36K | $-16K | -4.26% | 4.84% | 7.73% | 347 |
| Q1 2025 | $743K | $689K | $461K | $53K | $900 | 0.48% | 5.00% | 1.06% | 348 |
| Q4 2024 | $724K | $672K | $489K | $52K | $-10K | -1.40% | 5.00% | 1.48% | 350 |
| Q3 2024 | $758K | $688K | $508K | $70K | $5K | 0.94% | 5.01% | 5.50% | 352 |
| Q2 2024 | $768K | $696K | $498K | $72K | $7K | 1.90% | 4.84% | 0.84% | 338 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $253K · securities $63K
Nothing unusual in — — steady quarter.
| Ratio | I.B.E.W. Local #681 | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.56% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -67.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.4% |
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 | I.B.E.W. Local #681 | 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 | I.B.E.W. Local #681 | 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 | I.B.E.W. Local #681 | 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 | I.B.E.W. Local #681 | 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.