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) | -19.3% | +1.3% | -20.6 pts |
| Share growth (YoY) | -21.6% | +0.9% | -22.6 pts |
| Loan growth (YoY) | -100.0% | -2.6% | -97.4 pts |
| ROA | -1.03% | 0.65% | -1.7 pts |
| ROE | -5.5% | 4.4% | -9.9 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $257K | $209K | $0 | $48K | $-660 | -1.03% | 2.57% | — | 226 |
| Q4 2025 | $259K | $210K | $0 | $48K | $-2K | -0.80% | 0.97% | — | 252 |
| Q3 2025 | $271K | $221K | $0 | $49K | $-2K | -0.89% | 0.35% | — | 254 |
| Q2 2025 | $278K | $229K | $592 | $48K | $-3K | -1.86% | 0.24% | 0.00% | 261 |
| Q1 2025 | $318K | $267K | $12K | $50K | $-116 | -0.15% | 0.29% | 100.00% | 262 |
| Q4 2024 | $238K | $187K | $14K | $50K | $-2K | -0.86% | 0.60% | 100.00% | 262 |
| Q3 2024 | $238K | $187K | $22K | $51K | $-1K | -0.78% | 0.54% | 100.00% | 262 |
| Q2 2024 | $259K | $207K | $24K | $52K | $-634 | -0.49% | 0.56% | 100.00% | 263 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $203K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.03% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.9% |
Peer lists, growth filters, CSV export, CRM push.
| 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: San Francisco, CA, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Francisco, CA | 1 | $229K* | 0.00% | 56th |
California: 441st with 0.00% · San Francisco-Oakland-Fremont metro: 117th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1