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 | $114.4M | $92.2M | $98.4M | $5.4M | $-2.2M | -1.94% | 4.65% | 3.34% | 2,830 |
| Q3 2025 | $115.0M | $98.3M | $104.3M | $5.9M | $-1.7M | -2.00% | 4.71% | 4.10% | 2,947 |
| Q2 2025 | $118.4M | $110.2M | $106.1M | $7.5M | $-218K | -0.37% | 4.62% | 1.26% | 2,850 |
| Q1 2025 | $118.9M | $109.4M | $105.0M | $7.6M | $-130K | -0.44% | 4.16% | 0.72% | 2,930 |
| Q4 2024 | $117.1M | $106.9M | $106.7M | $8.3M | $-2.0M | -1.68% | 3.85% | 1.18% | 2,967 |
| Q3 2024 | $118.6M | $109.1M | $106.3M | $8.2M | $-856K | -0.96% | 3.43% | 1.55% | 2,935 |
| Q2 2024 | $120.9M | $109.8M | $105.6M | $9.6M | $-588K | -0.97% | 3.25% | 1.11% | 2,984 |
Loan mix (Q4 2025): real estate $76.1M · commercial $21.2M · consumer $1.0M · securities $2.5M
Nothing unusual in — — steady quarter.
| Ratio | North Bay | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.94% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -41.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.8% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | North Bay | 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 | North Bay | 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 | North Bay | 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 | North Bay | 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.