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 →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.5 pts |
| Loan growth (YoY) | +7.2% | -2.6% | +9.8 pts |
| ROA | 0.86% | 0.65% | +0.2 pts |
| ROE | 7.5% | 4.4% | +3.1 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.4M | $25.0M | $13.6M | $3.3M | $61K | 0.86% | 3.32% | 0.22% | 1,912 |
| Q4 2025 | $27.5M | $24.2M | $13.5M | $3.2M | $196K | 0.71% | 2.73% | 0.68% | 1,749 |
| Q3 2025 | $26.5M | $23.3M | $13.0M | $3.2M | $141K | 0.71% | 2.77% | 0.91% | 1,745 |
| Q2 2025 | $26.7M | $23.7M | $12.8M | $3.1M | $95K | 0.71% | 2.77% | 0.96% | 1,746 |
| Q1 2025 | $27.2M | $24.2M | $12.7M | $3.1M | $29K | 0.43% | 2.63% | 1.06% | 1,748 |
| Q4 2024 | $26.2M | $23.1M | $13.3M | $3.0M | $9K | 0.04% | 2.20% | 1.06% | 1,772 |
| Q3 2024 | $26.1M | $23.0M | $13.8M | $3.1M | $10K | 0.05% | 2.31% | 1.02% | 1,769 |
| Q2 2024 | $25.4M | $22.3M | $13.3M | $3.1M | $-8K | -0.06% | 2.32% | 1.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% |
Peer lists, growth filters, CSV export, CRM push.
| 1,765 |
Loan mix (Q1 2026): real estate $8.8M · commercial $448K · consumer $2.4M · securities $8.9M
| 80.6% |
| — |
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 | Value | Trend (8q) | 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 | Value | Trend (8q) | 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 | Value | Trend (8q) | 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 | Value | Trend (8q) | 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 | Value | Trend (8q) | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Credit Union 1 | Merger | Completed | NCUA |
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Kosciusko, IN, ranked 15th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kosciusko, IN | 1 | $23.7M* | 0.84% | 15th |
Indiana: 228th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1