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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $14.4M | $12.7M | $6.7M | $1.7M | $16K | 0.45% | 2.43% | 0.74% | 841 |
| Q4 2024 | $14.2M | $12.5M | $6.9M | $1.6M | $47K | 0.33% | 2.29% | 3.98% | 854 |
| Q3 2024 | $14.0M | $12.4M | $6.8M | $1.6M | $46K | 0.44% | 2.39% | 4.10% | 856 |
| Q2 2024 | $14.1M | $12.5M | $6.6M | $1.6M | $27K | 0.38% | 2.34% | 1.20% | 859 |
Loan mix (Q1 2025): real estate $3.9M · commercial $0 · consumer $2.7M · securities $5.4M
Nothing unusual in — — steady quarter.
| Ratio | Lewiston Porter | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | Not enough history yet. | — | — |
Peer lists, growth filters, CSV export, CRM push.
| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lewiston Porter | Trend (4q) | 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 | Lewiston Porter | Trend (4q) | 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 | Lewiston Porter | Trend (4q) | 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 | Lewiston Porter | Trend (4q) | 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.