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 2025 | $38.3M | $34.8M | $4.3M | $4.6M | $-737K | -2.56% | 2.27% | 0.30% | 3,853 |
| Q2 2025 | $39.0M | $35.3M | $4.5M | $5.1M | $-298K | -1.53% | 2.14% | 0.31% | 3,915 |
| Q1 2025 | $42.4M | $38.4M | $4.7M | $5.3M | $-53K | -0.50% | 1.85% | 0.26% | 4,038 |
| Q4 2024 | $41.7M | $37.9M | $5.0M | $5.4M | $-506K | -1.21% | 2.23% | 1.14% | 4,105 |
| Q3 2024 | $42.0M | $37.7M | $5.2M | $5.4M | $-514K | -1.63% | 2.18% | 1.27% | 4,230 |
| Q2 2024 | $43.5M | $39.2M | $5.5M | $5.9M | $-10K | -0.05% | 1.65% | 2.37% | 4,345 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $4.3M · securities $30.3M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.56% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -21.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 1054.4% |
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 | Value | Trend (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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.