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 | $4.3M | $3.0M | $1.9M | $1.2M | $-2K | -0.11% | 5.04% | 0.18% | 1,511 |
| Q1 2025 | $4.5M | $3.2M | $2.0M | $1.3M | $-32K | -2.86% | 4.93% | 3.34% | 1,523 |
| Q4 2024 | $4.8M | $3.5M | $2.1M | $1.3M | $36K | 0.75% | 5.00% | 3.16% | 1,533 |
| Q3 2024 | $4.7M | $3.4M | $2.2M | $1.3M | $33K | 0.92% | 5.10% | 6.37% | 1,545 |
| Q2 2024 | $4.8M | $3.5M | $2.4M | $1.3M | $31K | 1.32% | 5.18% | 1.83% | 1,576 |
Loan mix (Q2 2025): real estate $0 · commercial $0 · consumer $1.8M · securities $1.7M
Nothing unusual in — — steady quarter.
| Ratio | S T O F F E | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% |
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 | S T O F F E | 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 | S T O F F E | 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 | S T O F F E | 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 | S T O F F E | 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.