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 | $839.8M | $743.6M | $726.5M | $93.7M | $10.6M | 1.69% | 4.33% | 0.20% | 51,251 |
| Q2 2025 | $808.1M | $715.4M | $706.4M | $89.7M | $6.6M | 1.64% | 4.40% | 0.19% | 50,244 |
| Q1 2025 | $778.2M | $689.1M | $675.4M | $86.4M | $3.3M | 1.69% | 4.44% | 0.18% | 49,645 |
| Q4 2024 | $759.0M | $672.4M | $659.1M | $84.2M | $15.2M | 2.01% | 4.54% | 0.13% | 48,943 |
| Q3 2024 | $755.9M | $673.6M | $648.2M | $80.5M | $11.6M | 2.04% | 4.49% | 0.08% | 48,703 |
| Q2 2024 | $736.8M | $655.4M | $634.7M | $76.6M | $7.7M | 2.09% | 4.50% | 0.21% | 48,014 |
Loan mix (Q3 2025): real estate $297.8M · commercial $110.9M · consumer $235.9M · securities $10.7M
Nothing unusual in — — steady quarter.
| Ratio | Mid Oregon | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% |
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 | Mid Oregon | 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 | Mid Oregon | 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 | Mid Oregon | 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 | Mid Oregon | 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.