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 | $2.0M | $1.8M | $1.2M | $208K | $-25K | -1.22% | 5.43% | 0.00% | 270 |
| Q3 2025 | $2.1M | $1.9M | $1.3M | $175K | $-59K | -3.75% | 5.20% | 0.00% | 278 |
| Q2 2025 | $2.2M | $2.0M | $1.4M | $191K | $-42K | -3.89% | 5.02% | 0.00% | 292 |
| Q1 2025 | $2.2M | $2.0M | $1.3M | $212K | $-22K | -3.91% | 4.62% | 0.11% | 309 |
| Q4 2024 | $2.3M | $2.0M | $1.3M | $233K | $-57K | -2.53% | 5.15% | 3.11% | 314 |
| Q3 2024 | $2.2M | $2.0M | $1.4M | $274K | $-17K | -0.99% | 5.25% | 3.05% | 326 |
| Q2 2024 | $2.4M | $2.1M | $1.3M | $287K | $-409 | -0.03% | 4.87% | 3.39% | 327 |
Loan mix (Q4 2025): real estate $0 · commercial $0 · consumer $1.1M · securities $2K
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.22% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -12.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 152.7% |
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 (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 | Value | 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 | Value | 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 | Value | 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.