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 | $313K | $208K | $11K | $104K | $-977 | -0.42% | 3.14% | 4.16% | 65 |
| Q2 2025 | $313K | $208K | $13K | $104K | $-1K | -0.68% | 4.15% | 3.70% | 65 |
| Q1 2025 | $314K | $208K | $14K | $105K | $1K | 1.64% | 3.72% | 0.00% | 66 |
| Q4 2024 | $346K | $240K | $18K | $104K | $-4K | -1.02% | 2.53% | 0.00% | 79 |
| Q3 2024 | $346K | $240K | $20K | $106K | $-2K | -0.84% | 2.14% | 0.00% | 81 |
| Q2 2024 | $378K | $271K | $25K | $106K | $-2K | -0.82% | 1.96% | 0.00% | 90 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $11K · securities $177K
Nothing unusual in — — steady quarter.
| Ratio | Saint Norbert'S | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.2% |
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 | Saint Norbert'S | 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 | Saint Norbert'S | 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 | Saint Norbert'S | 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 | Saint Norbert'S | 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.