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 2024 | $97.3M | $82.3M | $64.8M | $9.9M | $86K | 0.12% | 2.37% | 0.56% | 5,202 |
| Q2 2024 | $100.6M | $84.1M | $66.2M | $9.9M | $29K | 0.06% | 2.27% | 0.60% | 5,262 |
Loan mix (Q3 2024): real estate $34.5M · commercial $9.4M · consumer $20.2M · securities $18.4M
Nothing unusual in — — steady quarter.
| Ratio | Prospectors FCU | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.0% | — |
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 | Prospectors FCU | Trend (2q) | 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 | Prospectors FCU | Trend (2q) | 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 | Prospectors FCU | Trend (2q) | 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 | Prospectors FCU | Trend (2q) | 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 | Prospectors FCU | Trend (2q) | 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.
3 branches in 2 counties across 2 states (+0 vs 2023). Biggest market: Los Angeles, CA, ranked 157th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $56.1M* | 0.01% | 157th |
| Collin, TX | 1 | $28.0M* | 0.06% | 73rd |
California: 358th with 0.00% · Texas: 716th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 179th, 0.01% · Dallas-Fort Worth-Arlington metro: 214th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3