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 | $95.5M | $86.5M | $82.1M | $7.2M | $-2.3M | -2.43% | 3.87% | 2.09% | 10,096 |
| Q3 2025 | $104.3M | $90.4M | $88.8M | $9.4M | $-120K | -0.15% | 3.54% | 0.60% | 10,188 |
| Q2 2025 | $100.9M | $86.3M | $87.3M | $9.3M | $-223K | -0.44% | 3.62% | 1.10% | 10,085 |
| Q1 2025 | $98.8M | $88.2M | $78.8M | $9.5M | $-86K | -0.35% | 3.62% | 0.32% | 9,973 |
| Q4 2024 | $102.3M | $91.7M | $80.3M | $9.5M | $-144K | -0.14% | 3.60% | 0.78% | 9,918 |
| Q3 2024 | $104.9M | $94.4M | $83.3M | $9.6M | $-36K | -0.05% | 3.58% | 0.62% | 9,895 |
| Q2 2024 | $105.5M | $93.9M | $89.5M | $9.7M | $27K | 0.05% | 3.59% | 0.77% | 9,882 |
Loan mix (Q4 2025): real estate $31.4M · commercial $473K · consumer $49.7M · securities $5.7M
Nothing unusual in — — steady quarter.
| Ratio | Las Colinas | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.43% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -32.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.7% |
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 | Las Colinas | 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 | Las Colinas | 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 | Las Colinas | 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 | Las Colinas | 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 | Las Colinas | 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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Dallas, TX, ranked 109th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 3 | $64.7M* | 0.02% | 109th |
| Denton, TX | 1 | $21.6M* | 0.01% | 50th |
Texas: 550th with 0.01% · Dallas-Fort Worth-Arlington metro: 172nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4