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 | $144.6M | $121.5M | $102.8M | $24.1M | $349K | 0.24% | 3.59% | 0.98% | 12,769 |
| Q3 2025 | $144.9M | $120.9M | $103.4M | $24.2M | $453K | 0.42% | 3.55% | 0.94% | 12,976 |
| Q2 2025 | $140.9M | $117.6M | $103.5M | $23.9M | $103K | 0.15% | 3.58% | 1.13% | 12,871 |
| Q1 2025 | $141.2M | $118.3M | $99.8M | $23.8M | $179 | 0.00% | 3.48% | 1.08% | 12,785 |
| Q4 2024 | $139.8M | $116.8M | $101.1M | $23.8M | $705K | 0.50% | 3.53% | 1.09% | 12,756 |
| Q3 2024 | $137.8M | $115.0M | $101.4M | $23.9M | $775K | 0.75% | 3.54% | 0.89% | 12,968 |
| Q2 2024 | $142.4M | $119.7M | $101.2M | $23.7M | $523K | 0.73% | 3.37% | 0.82% | 13,030 |
Loan mix (Q4 2025): real estate $36.5M · commercial $0 · consumer $58.1M · securities $22.5M
Nothing unusual in — — steady quarter.
| Ratio | Nebo | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% |
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 | Nebo | 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 | Nebo | 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 | Nebo | 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 | Nebo | 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.