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 | $21.9M | $21.1M | $9.9M | $732K | $-72K | -0.66% | 4.69% | 0.00% | 3,638 |
| Q1 2025 | $22.3M | $21.6M | $9.0M | $775K | $-29K | -0.52% | 4.57% | 1.89% | 3,638 |
| Q4 2024 | $22.5M | $21.8M | $8.6M | $804K | $35K | 0.16% | 4.81% | 2.03% | 2,410 |
| Q3 2024 | $22.7M | $21.9M | $8.6M | $998K | $34K | 0.20% | 4.86% | 2.70% | 2,494 |
| Q2 2024 | $23.7M | $22.7M | $8.5M | $1.5M | $33K | 0.28% | 4.68% | 1.76% | 2,540 |
Loan mix (Q2 2025): real estate $5.7M · commercial $0 · consumer $4.1M · securities $10.9M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -19.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.5% |
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 (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 | Value | 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 | Value | 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 | Value | 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.