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 |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2024 | $464.2M | $419.6M | $329.9M | $44.9M | $4.4M | 1.25% | 3.90% | 1.31% | 30,381 |
| Q2 2024 | $455.0M | $411.8M | $332.9M | $43.7M | $3.1M | 1.36% | 3.96% | 1.40% | 29,940 |
Loan mix (Q3 2024): real estate $175.8M · commercial $5.5M · consumer $136.6M · securities $40.4M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | — |
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 | Value | Trend (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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.
8 branches in 1 county across 1 state (+1 vs 2023). Biggest market: Kane, IL, ranked 9th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kane, IL | 8 | $411.8M* | 2.70% | 9th |
Illinois: 147th with 0.06% · Chicago-Naperville-Elgin metro: 89th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 7 · 2024 8