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 →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +32.7% | +1.3% | +31.5 pts |
| Share growth (YoY) | +47.6% | +0.9% | +46.7 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | -2.32% | 0.65% | -3.0 pts |
| ROE | -1017.7% | 4.4% | -1022.1 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $5.4M | $3.4M | $12K | $-32K | -2.32% | 2.09% | 1.79% | 692 |
| Q4 2025 | $4.7M | $4.7M | $3.6M | $44K | $-400K | -8.43% | 5.22% | 2.22% | 713 |
| Q3 2025 | $4.6M | $4.6M | $3.9M | $402K | $-52K | -1.51% | 5.95% | 2.41% | 728 |
| Q2 2025 | $5.2M | $4.1M | $3.7M | $431K | $-24K | -0.91% | 5.00% | 1.53% | 727 |
| Q1 2025 | $4.1M | $3.6M | $3.4M | $456K | $2K | 0.16% | 8.10% | 0.37% | 790 |
| Q4 2024 | $3.9M | $3.5M | $3.4M | $454K | $-38K | -0.96% | 6.67% | 0.62% | 791 |
| Q3 2024 | $3.9M | $3.5M | $3.2M | $445K | $-50K | -1.69% | 6.31% | 0.73% | 800 |
| Q2 2024 | $4.3M | $3.8M | $3.2M | $446K | $-46K | -2.13% | 5.39% | 1.42% | 800 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.32% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | -1017.7% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.09% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 203.9% |
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Loan mix (Q1 2026): real estate $0 · commercial $414K · consumer $128K · securities $25K
| 80.6% |
| — |
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 (8q) | 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 (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | 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 (8q) | 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 (8q) | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cuyahoga, OH, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $4.1M* | 0.00% | 56th |
Ohio: 389th with 0.00% · Cleveland metro: 81st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1