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 |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $33.7M | $29.2M | $10.1M | $4.0M | $-363K | -1.08% | 3.77% | 0.25% | 3,094 |
| Q3 2025 | $34.1M | $29.4M | $10.7M | $4.5M | $60K | 0.23% | 3.67% | 0.60% | 3,176 |
| Q2 2025 | $34.2M | $29.6M | $10.9M | $4.4M | $45K | 0.26% | 3.59% | 0.41% | 3,206 |
| Q1 2025 | $35.0M | $30.4M | $11.5M | $4.4M | $12K | 0.14% | 3.41% | 0.34% | 3,244 |
| Q4 2024 | $34.4M | $29.9M | $12.0M | $4.4M | $-32K | -0.09% | 3.16% | 0.41% | 3,311 |
| Q3 2024 | $34.2M | $29.6M | $12.6M | $4.4M | $-40K | -0.15% | 3.10% | 0.17% | 3,357 |
| Q2 2024 | $34.7M | $30.0M | $12.5M | $4.4M | $-54K | -0.31% | 2.93% | 0.28% | 3,402 |
Loan mix (Q4 2025): real estate $150K · commercial $199K · consumer $9.1M · securities $18.8M
Nothing unusual in — — steady quarter.
| Ratio | Rural Cooperatives | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.08% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -9.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.0% |
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 | Rural Cooperatives | Trend (7q) | 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 | Rural Cooperatives | Trend (7q) | 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 | Rural Cooperatives | Trend (7q) | 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 | Rural Cooperatives | Trend (7q) | 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.