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 |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $2.66B | $2.25B | $2.15B | $288.8M | $8.3M | 0.62% | 3.99% | 0.68% | 156,416 |
| Q1 2025 | $2.67B | $2.26B | $2.09B | $280.7M | $223K | 0.03% | 3.86% | 0.67% | 155,504 |
| Q4 2024 | $2.62B | $2.19B | $2.05B | $281.6M | $17.3M | 0.66% | 3.54% | 0.89% | 154,711 |
| Q3 2024 | $2.67B | $2.17B | $2.01B | $275.5M | $11.2M | 0.56% | 3.39% | 0.75% | 155,009 |
| Q2 2024 | $2.56B | $2.13B | $1.95B | $276.7M | $5.6M | 0.44% | 3.47% | 0.70% | 154,239 |
Loan mix (Q2 2025): real estate $925.2M · commercial $260.8M · consumer $925.3M · securities $354.6M
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% |
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 | Value | Trend (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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.