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 | $238K | $134K | $90K | $104K | $7K | 3.82% | 5.39% | 31.39% | 266 |
| Q2 2025 | $295K | $195K | $94K | $100K | $3K | 2.10% | 4.16% | 22.19% | 274 |
| Q1 2025 | $292K | $196K | $86K | $96K | $-1K | -1.83% | 4.03% | 29.77% | 278 |
| Q4 2024 | $287K | $190K | $93K | $97K | $2K | 0.87% | 4.66% | 39.60% | 281 |
| Q3 2024 | $293K | $201K | $108K | $92K | $-3K | -1.26% | 4.36% | 36.87% | 284 |
| Q2 2024 | $295K | $203K | $107K | $92K | $-2K | -1.59% | 4.20% | 38.41% | 300 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $90K · securities $4K
Nothing unusual in — — steady quarter.
| Ratio | Morning Star Baptist | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.82% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.5% |
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 | Morning Star Baptist | 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 | Morning Star Baptist | 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 | Morning Star Baptist | 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 | Morning Star Baptist | 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.