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 | $2.86B | $2.38B | $2.21B | $298.5M | $17.9M | 0.83% | 3.04% | 0.56% | 142,578 |
| Q2 2025 | $2.82B | $2.34B | $2.19B | $291.5M | $10.8M | 0.77% | 3.02% | 0.55% | 141,780 |
| Q1 2025 | $2.79B | $2.33B | $2.13B | $285.5M | $4.8M | 0.69% | 2.95% | 0.40% | 141,603 |
| Q4 2024 | $2.74B | $2.25B | $2.05B | $280.7M | $13.1M | 0.48% | 2.58% | 0.52% | 140,106 |
| Q3 2024 | $2.73B | $2.25B | $2.02B | $277.1M | $9.6M | 0.47% | 2.54% | 0.50% | 138,617 |
| Q2 2024 | $2.71B | $2.25B | $1.96B | $273.7M | $6.2M | 0.46% | 2.51% | 0.53% | 144,486 |
Loan mix (Q3 2025): real estate $1.06B · commercial $311.8M · consumer $803.3M · securities $269.1M
Nothing unusual in — — steady quarter.
| Ratio | Orange County'S | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% |
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 | Orange County'S | 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 | Orange County'S | 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 | Orange County'S | 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 | Orange County'S | 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.