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 | $6.8M | $6.0M | $6.0M | $431K | $-518K | -10.21% | 7.27% | 0.29% | 1,157 |
| Q2 2025 | $7.0M | $5.9M | $6.3M | $823K | $-126K | -3.58% | 6.86% | 1.73% | 1,333 |
| Q1 2025 | $7.5M | $6.4M | $6.5M | $966K | $18K | 0.94% | 6.73% | 4.16% | 1,340 |
| Q4 2024 | $7.1M | $6.0M | $6.6M | $949K | $15K | 0.21% | 6.55% | 1.24% | 1,345 |
| Q3 2024 | $7.3M | $6.3M | $6.6M | $951K | $19K | 0.34% | 6.40% | 0.69% | 1,349 |
| Q2 2024 | $7.2M | $6.1M | $6.7M | $954K | $18K | 0.50% | 6.42% | 0.67% | 1,359 |
Loan mix (Q3 2025): real estate $3.0M · commercial $0 · consumer $3.0M · securities $23K
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -10.21% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -160.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 7.27% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 146.7% |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.