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 | $2.18B | $1.79B | $1.65B | $184.6M | $4.1M | 0.38% | 2.64% | 0.56% | 123,247 |
| Q1 2025 | $2.15B | $1.77B | $1.59B | $181.4M | $891K | 0.17% | 2.61% | 0.56% | 120,553 |
| Q4 2024 | $2.06B | $1.69B | $1.56B | $180.6M | $7.9M | 0.38% | 2.79% | 0.60% | 119,213 |
| Q3 2024 | $1.97B | $1.59B | $1.56B | $180.9M | $6.0M | 0.41% | 2.92% | 0.51% | 118,905 |
| Q2 2024 | $1.93B | $1.56B | $1.56B | $178.2M | $3.4M | 0.35% | 2.95% | 0.53% | 118,094 |
Loan mix (Q2 2025): real estate $607.1M · commercial $267.9M · consumer $735.2M · securities $288.9M
Nothing unusual in — — steady quarter.
| Ratio | Meritrust | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% |
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 | Meritrust | 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 | Meritrust | 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 | Meritrust | 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 | Meritrust | 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.