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 | $57.5M | $53.0M | $41.8M | $4.1M | $-569K | -1.32% | 3.71% | 1.59% | 4,611 |
| Q2 2025 | $56.9M | $52.6M | $42.0M | $4.1M | $-533K | -1.87% | 3.53% | 1.69% | 4,606 |
| Q1 2025 | $55.2M | $50.6M | $41.1M | $4.4M | $-68K | -0.49% | 3.93% | 0.91% | 4,786 |
| Q4 2024 | $54.6M | $50.0M | $41.0M | $4.5M | $130K | 0.24% | 3.74% | 2.11% | 4,756 |
| Q3 2024 | $54.0M | $49.8M | $40.5M | $4.4M | $65K | 0.16% | 3.75% | 0.84% | 4,714 |
| Q2 2024 | $55.3M | $50.8M | $39.7M | $4.5M | $142K | 0.51% | 3.66% | 1.71% | 4,648 |
Loan mix (Q3 2025): real estate $25.4M · commercial $1.4M · consumer $11.7M · securities $6.7M
Nothing unusual in — — steady quarter.
| Ratio | Mountain Valley | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -18.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.8% |
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 Valley | 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 | Mountain Valley | 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 | Mountain Valley | 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 | Mountain Valley | 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.