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 |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $675.2M | $500.5M | $449.5M | $66.9M | $-3.8M | -1.12% | 2.66% | 1.59% | 41,460 |
| Q1 2025 | $684.6M | $512.5M | $457.2M | $69.5M | $-1.2M | -0.70% | 2.53% | 2.12% | 42,515 |
| Q4 2024 | $703.8M | $501.9M | $471.4M | $70.6M | $-10.2M | -1.45% | 2.50% | 2.21% | 43,370 |
| Q3 2024 | $715.2M | $510.2M | $478.1M | $77.0M | $-6.9M | -1.29% | 2.45% | 2.17% | 44,180 |
| Q2 2024 | $718.3M | $507.0M | $488.6M | $78.4M | $-5.6M | -1.55% | 2.44% | 2.64% | 45,033 |
Loan mix (Q2 2025): real estate $227.7M · commercial $40.3M · consumer $156.0M · securities $120.9M
Nothing unusual in — — steady quarter.
| Ratio | Jefferson Financial | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.12% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -11.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.0% |
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 | Jefferson Financial | Trend (5q) | 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 | Jefferson Financial | Trend (5q) | 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 | Jefferson Financial | Trend (5q) | 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 | Jefferson Financial | Trend (5q) | 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.