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 | $22.4M | $19.0M | $8.0M | $3.2M | $270K | 2.42% | 3.60% | 0.63% | 3,158 |
| Q1 2025 | $22.0M | $18.6M | $8.3M | $3.1M | $196K | 3.57% | 3.61% | 0.61% | 3,210 |
| Q4 2024 | $21.2M | $18.1M | $8.6M | $2.9M | $241K | 1.13% | 3.64% | 0.60% | 3,196 |
| Q3 2024 | $21.2M | $18.2M | $9.0M | $2.9M | $174K | 1.09% | 3.55% | 0.63% | 3,182 |
| Q2 2024 | $22.2M | $19.3M | $9.2M | $2.8M | $122K | 1.09% | 3.34% | 0.66% | 3,165 |
Loan mix (Q2 2025): real estate $1.5M · commercial $77K · consumer $5.9M · securities $8.6M
Nothing unusual in — — steady quarter.
| Ratio | Lake Shore | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% |
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 | Lake Shore | 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 | Lake Shore | 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 | Lake Shore | 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 | Lake Shore | 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.