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 | $384K | $353K | $213K | $29K | $-6K | -2.00% | 8.26% | 4.86% | 202 |
| Q2 2025 | $424K | $391K | $204K | $32K | $-3K | -1.33% | 7.50% | 1.71% | 202 |
| Q1 2025 | $396K | $363K | $207K | $32K | $-3K | -2.94% | 8.05% | 0.81% | 202 |
| Q4 2024 | $399K | $363K | $236K | $35K | $-14K | -3.45% | 7.97% | 0.00% | 208 |
| Q3 2024 | $414K | $376K | $232K | $37K | $-11K | -3.63% | 7.45% | 1.54% | 212 |
| Q2 2024 | $414K | $373K | $225K | $40K | $-9K | -4.17% | 7.13% | 1.22% | 212 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $212K · securities $52K
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.00% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -26.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 8.26% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.9% |
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.