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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $6.4M | $5.8M | $4.3M | $621K | $17K | 1.07% | 4.62% | 0.44% | 433 |
| Q4 2024 | $6.4M | $5.8M | $4.3M | $603K | $100K | 1.57% | 5.48% | 0.00% | 504 |
| Q3 2024 | $7.0M | $6.5M | $4.5M | $502K | $21K | 0.39% | 4.07% | 0.66% | 518 |
| Q2 2024 | $6.9M | $6.3M | $4.4M | $539K | $35K | 1.03% | 5.04% | 0.00% | 512 |
Loan mix (Q1 2025): real estate $1.3M · commercial $0 · consumer $3.0M · securities $1.3M
Nothing unusual in — — steady quarter.
| Ratio | Oshkosh Postal Employees | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | Not enough history yet. | — | — |
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| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Oshkosh Postal Employees | Trend (4q) | 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 | Oshkosh Postal Employees | Trend (4q) | 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 | Oshkosh Postal Employees | Trend (4q) | 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 | Oshkosh Postal Employees | Trend (4q) | 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.