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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $30.3M | $28.1M | $13.9M | $2.0M | $-448K | -1.48% | 3.32% | 0.59% | 2,991 |
| Q3 2025 | $31.4M | $29.0M | $14.4M | $2.3M | $-107K | -0.45% | 3.22% | 0.40% | 3,056 |
| Q2 2025 | $31.0M | $28.6M | $15.0M | $2.3M | $-119K | -0.77% | 3.24% | 1.47% | 3,084 |
| Q1 2025 | $31.6M | $29.2M | $14.8M | $2.3M | $-139K | -1.76% | 3.19% | 0.46% | 3,115 |
| Q4 2024 | $30.1M | $27.7M | $15.4M | $2.4M | $35K | 0.11% | 3.48% | 1.23% | 3,149 |
| Q3 2024 | $31.9M | $29.4M | $15.9M | $2.4M | $19K | 0.08% | 3.30% | 0.77% | 3,173 |
| Q2 2024 | $32.6M | $30.2M | $17.0M | $2.4M | $-25K | -0.16% | 3.11% | 2.22% | 3,217 |
Loan mix (Q4 2025): real estate $8.3M · commercial $916K · consumer $4.0M · securities $11.7M
Nothing unusual in — — steady quarter.
| Ratio | Mountain River | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.48% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -22.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 121.0% |
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 | Mountain River | Trend (7q) | 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 | Mountain River | Trend (7q) | 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 | Mountain River | Trend (7q) | 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 | Mountain River | Trend (7q) | 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.