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 | $21.4M | $13.3M | $7.3M | $7.5M | $8K | 0.15% | 3.20% | 0.60% | 1,088 |
| Q4 2024 | $22.2M | $13.8M | $7.6M | $7.5M | $65K | 0.29% | 3.02% | 0.80% | 1,090 |
| Q3 2024 | $23.1M | $14.6M | $7.6M | $7.5M | $44K | 0.25% | 2.86% | 0.30% | 1,120 |
| Q2 2024 | $23.8M | $14.9M | $7.4M | $7.5M | $21K | 0.17% | 2.73% | 0.15% | 1,115 |
Loan mix (Q1 2025): real estate $2.6M · commercial $0 · consumer $4.6M · securities $13.6M
Nothing unusual in — — steady quarter.
| Ratio | Matson Employees | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% |
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 | Matson Employees | 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 | Matson Employees | Trend (4q) | 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 | Matson Employees | 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 | Matson Employees | 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 | Matson Employees | 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.
2 branches in 2 counties across 2 states (+0 vs 2023). Biggest market: Collin, TX, ranked 87th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $7.4M* | 0.02% | 87th |
| Alameda, CA | 1 | $7.4M* | 0.01% | 62nd |
California: 433rd with 0.00% · Texas: 835th with 0.00% · San Francisco-Oakland-Fremont metro: 117th, 0.00% · Dallas-Fort Worth-Arlington metro: 251st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2