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 | $12.8M | $10.7M | $3.1M | $2.1M | $-18K | -0.56% | 2.52% | 0.00% | 989 |
| Q4 2024 | $12.3M | $10.2M | $3.3M | $2.1M | $-24K | -0.19% | 2.86% | 0.00% | 999 |
| Q3 2024 | $12.6M | $10.4M | $3.4M | $2.1M | $-7K | -0.08% | 2.85% | 0.00% | 1,017 |
| Q2 2024 | $13.4M | $11.1M | $3.7M | $2.1M | $-4K | -0.07% | 2.74% | 0.03% | 1,024 |
Loan mix (Q1 2025): real estate $907K · commercial $54K · consumer $1.8M · securities $7.9M
Nothing unusual in — — steady quarter.
| Ratio | Pamcel Community | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.56% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -3.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.6% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Pamcel Community | 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 | Pamcel Community | Trend (4q) | 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 | Pamcel Community | 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 | Pamcel Community | 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 | Pamcel Community | 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.
4 branches in 4 counties across 3 states (+0 vs 2023). Biggest market: Gray, TX, ranked 11th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gray, TX | 1 | $2.8M* | 0.46% | 11th |
| Carson, TX | 1 | $2.8M* | 1.68% | 3rd |
| Mecklenburg, NC | 1 | $2.8M* | 0.00% | 54th |
| 1 more county with Pro → | ||||
Texas: 855th with 0.00% · Missouri: 366th with 0.00% · North Carolina: 170th with 0.00% · Jefferson City metro: 33rd, 0.04% · Charlotte-Concord-Gastonia metro: 77th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4