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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $119.3M | $101.5M | $55.6M | $11.2M | $-3.8M | -3.16% | 2.57% | 0.23% | 5,558 |
| Q3 2025 | $136.4M | $101.6M | $56.3M | $15.8M | $784K | 0.77% | 2.25% | 0.19% | 5,648 |
| Q2 2025 | $140.7M | $106.1M | $55.8M | $15.5M | $516K | 0.73% | 2.14% | 0.21% | 5,703 |
| Q1 2025 | $137.5M | $103.4M | $56.9M | $15.2M | $163K | 0.47% | 2.15% | 0.19% | 5,742 |
| Q4 2024 | $139.5M | $105.5M | $59.1M | $15.0M | $766K | 0.55% | 2.08% | 0.22% | 5,779 |
| Q3 2024 | $142.1M | $103.7M | $60.0M | $14.8M | $555K | 0.52% | 2.02% | 0.17% | 5,786 |
| Q2 2024 | $161.8M | $105.2M | $59.5M | $14.6M | $359K | 0.44% | 1.76% | 0.16% | 5,847 |
Loan mix (Q4 2025): real estate $47.4M · commercial $0 · consumer $7.7M · securities $44.3M
Nothing unusual in — — steady quarter.
| Ratio | Kaiperm Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.16% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -33.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 187.3% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Kaiperm Northwest | Trend (7q) | 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 | Kaiperm Northwest | Trend (7q) | 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 | Kaiperm Northwest | Trend (7q) | 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 | Kaiperm Northwest | Trend (7q) | 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 | Kaiperm Northwest | Trend (7q) | 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.
3 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Multnomah, OR, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Multnomah, OR | 1 | $35.4M* | 0.09% | 37th |
| Washington, OR | 1 | $35.4M* | 0.21% | 28th |
| Clackamas, OR | 1 | $35.4M* | 0.28% | 26th |
Oregon: 68th with 0.07% · Portland-Vancouver-Hillsboro metro: 45th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3