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 | $7.6M | $6.9M | $1.9M | $769K | $-72K | -1.25% | 4.88% | 0.95% | 1,243 |
| Q2 2025 | $7.8M | $7.0M | $2.0M | $802K | $-39K | -0.99% | 4.73% | 5.56% | 1,320 |
| Q1 2025 | $7.7M | $6.9M | $1.8M | $812K | $-29K | -1.51% | 3.93% | 0.55% | 1,327 |
| Q4 2024 | $7.6M | $6.6M | $1.8M | $841K | $-93K | -1.21% | 5.09% | 0.46% | 1,328 |
| Q3 2024 | $7.5M | $6.6M | $1.7M | $902K | $-32K | -0.56% | 5.23% | 5.52% | 1,339 |
| Q2 2024 | $7.6M | $6.6M | $1.9M | $929K | $-4K | -0.11% | 5.13% | 4.91% | 1,356 |
Loan mix (Q3 2025): real estate $514K · commercial $0 · consumer $1.4M · securities $5.1M
Nothing unusual in — — steady quarter.
| Ratio | Middlesex County N J Emp | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.25% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -12.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.9% |
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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 | Middlesex County N J Emp | 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 | Middlesex County N J Emp | 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 | Middlesex County N J Emp | 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 | Middlesex County N J Emp | 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.