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 | $46.3M | $31.1M | $10.6M | $11.2M | $-18K | -0.15% | 1.81% | 0.52% | 3,047 |
| Q4 2024 | $45.7M | $32.1M | $10.8M | $11.2M | $-326K | -0.71% | 1.79% | 0.48% | 3,105 |
| Q3 2024 | $46.3M | $33.3M | $11.0M | $11.4M | $-143K | -0.41% | 1.76% | 0.31% | 3,167 |
| Q2 2024 | $47.1M | $34.4M | $11.1M | $11.4M | $-91K | -0.39% | 1.68% | 0.85% | 3,186 |
Loan mix (Q1 2025): real estate $0 · commercial $0 · consumer $10.5M · securities $28.6M
Nothing unusual in — — steady quarter.
| Ratio | Indianapolis Post Office | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.81% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.7% | Not enough history yet. | — | — |
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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 | Indianapolis Post Office | 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 | Indianapolis Post Office | 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 | Indianapolis Post Office | 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 | Indianapolis Post Office | 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.