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 |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2025 | $308K | $295K | $224K | $14K | $-43K | -18.40% | 7.36% | 2.02% | 290 |
| Q2 2025 | $333K | $299K | $241K | $33K | $-23K | -13.95% | 6.54% | 3.42% | 290 |
| Q1 2025 | $337K | $303K | $244K | $34K | $-22K | -25.87% | 6.84% | 15.50% | 290 |
| Q4 2024 | $357K | $310K | $257K | $56K | $-24K | -6.64% | 6.50% | 20.70% | 290 |
| Q3 2024 | $392K | $344K | $282K | $57K | $-19K | -6.42% | 7.29% | 10.42% | 282 |
| Q2 2024 | $417K | $336K | $363K | $80K | $213 | 0.10% | 5.84% | 5.77% | 291 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $224K · securities $37K
Nothing unusual in — — steady quarter.
| Ratio | Norwalk Postal Employees | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -18.40% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -414.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 7.36% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 345.5% |
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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 | Norwalk Postal Employees | Trend (6q) | 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 | Norwalk Postal Employees | Trend (6q) | 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 | Norwalk Postal Employees | Trend (6q) | 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 | Norwalk Postal Employees | Trend (6q) | 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.