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 | $60.5M | $47.5M | $48.9M | $6.4M | $-500K | -1.65% | 2.94% | 2.87% | 5,374 |
| Q1 2025 | $62.5M | $48.8M | $53.1M | $6.7M | $-160K | -1.02% | 3.15% | 1.19% | 5,374 |
| Q4 2024 | $64.0M | $50.1M | $53.7M | $6.8M | $-310K | -0.48% | 3.23% | 3.16% | 5,569 |
| Q3 2024 | $64.1M | $51.2M | $54.6M | $7.3M | $13K | 0.03% | 3.15% | 3.84% | 5,716 |
| Q2 2024 | $67.1M | $53.1M | $54.5M | $7.4M | $2K | 0.00% | 3.22% | 1.94% | 5,874 |
Loan mix (Q2 2025): real estate $33.9M · commercial $5.8M · consumer $7.0M · securities $1.9M
Nothing unusual in — — steady quarter.
| Ratio | Opportunities | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.65% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -15.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.6% |
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 | Opportunities | 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 | Opportunities | 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 | Opportunities | 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 | Opportunities | 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.