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 →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -13.0 pts |
| Share growth (YoY) | -12.3% | +0.9% | -13.3 pts |
| Loan growth (YoY) | -32.8% | -2.6% | -30.2 pts |
| ROA | -0.36% | 0.65% | -1.0 pts |
| ROE | -2.9% | 4.4% | -7.3 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.3M | $1.3M | $734K | $-5K | -0.36% | 3.92% | 0.49% | 729 |
| Q4 2025 | $6.4M | $5.7M | $1.5M | $741K | $-16K | -0.25% | 3.98% | 3.56% | 747 |
| Q3 2025 | $6.4M | $5.6M | $1.7M | $732K | $-24K | -0.51% | 4.26% | 3.23% | 755 |
| Q2 2025 | $6.7M | $5.9M | $1.8M | $739K | $-18K | -0.53% | 4.08% | 3.79% | 777 |
| Q1 2025 | $6.8M | $6.0M | $2.0M | $744K | $-13K | -0.74% | 4.03% | 3.76% | 785 |
| Q4 2024 | $6.8M | $6.0M | $2.0M | $757K | $-57K | -0.85% | 3.97% | 4.01% | 794 |
| Q3 2024 | $6.6M | $5.8M | $2.1M | $758K | $-56K | -1.13% | 4.06% | 2.71% | 803 |
| Q2 2024 | $6.8M | $6.0M | $2.1M | $776K | $-38K | -1.12% | 3.85% | 3.90% | 813 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.6% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $2.1M
| 80.6% |
| — |
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 (8q) | 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 (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | 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 (8q) | 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 (8q) | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Alabama State Employees | Merger | Completed | NCUA |
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Montgomery, AL, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, AL | 1 | $5.9M* | 0.06% | 30th |
Alabama: 233rd with 0.00% · Montgomery metro: 35th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1