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 | $16.9M | $13.9M | $9.7M | $2.8M | $-1.4M | -16.66% | 4.40% | 1.34% | 1,900 |
| Q1 2025 | $20.2M | $16.1M | $10.3M | $4.1M | $-168K | -3.34% | 3.52% | 2.39% | 1,979 |
| Q4 2024 | $19.5M | $15.1M | $10.9M | $4.3M | $-374K | -1.92% | 3.80% | 2.40% | 2,008 |
| Q3 2024 | $19.9M | $15.4M | $11.4M | $4.3M | $-292K | -1.96% | 3.79% | 1.05% | 2,064 |
| Q2 2024 | $20.5M | $15.9M | $11.9M | $4.4M | $-251K | -2.45% | 3.59% | 0.88% | 2,107 |
Loan mix (Q2 2025): real estate $5.9M · commercial $0 · consumer $3.6M · securities $889K
Nothing unusual in — — steady quarter.
| Ratio | Postal | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -16.66% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -98.7% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 382.8% |
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 | Postal | 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 | Postal | 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 | Postal | 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 | Postal | 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.