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) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -8.2% | +0.9% | -9.2 pts |
| Loan growth (YoY) | -11.8% | -2.6% | -9.2 pts |
| ROA | 0.50% | 0.65% | -0.1 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.9M | $32.3M | $18.7M | $5.5M | $47K | 0.50% | 3.87% | 0.10% | 2,120 |
| Q4 2025 | $38.8M | $33.1M | $19.5M | $5.4M | $86K | 0.22% | 3.72% | 0.26% | 2,128 |
| Q3 2025 | $39.6M | $34.0M | $20.2M | $5.5M | $93K | 0.31% | 3.57% | 0.94% | 2,143 |
| Q2 2025 | $40.4M | $34.8M | $20.9M | $5.5M | $52K | 0.26% | 3.40% | 0.88% | 2,143 |
| Q1 2025 | $40.8M | $35.2M | $21.3M | $5.4M | $12K | 0.11% | 3.23% | 0.91% | 2,154 |
| Q4 2024 | $40.2M | $34.6M | $22.0M | $5.4M | $25K | 0.06% | 3.08% | 0.84% | 2,155 |
| Q3 2024 | $40.8M | $35.2M | $22.3M | $5.5M | $28K | 0.09% | 3.00% | 0.67% | 2,163 |
| Q2 2024 | $39.5M | $34.0M | $22.3M | $5.4M | $8K | 0.04% | 3.13% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% |
Peer lists, growth filters, CSV export, CRM push.
| 2,201 |
Loan mix (Q1 2026): real estate $8.9M · commercial $0 · consumer $9.6M · securities $13.1M
| 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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cook, IL, ranked 126th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $34.8M* | 0.01% | 126th |
Illinois: 464th with 0.00% · Chicago-Naperville-Elgin metro: 203rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2