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 | $325.1M | $261.6M | $283.7M | $31.2M | $-290K | -0.12% | 2.98% | 0.16% | 19,234 |
| Q2 2025 | $324.7M | $266.5M | $281.5M | $32.1M | $696K | 0.43% | 2.93% | 0.24% | 19,004 |
| Q1 2025 | $344.2M | $275.9M | $278.3M | $32.0M | $205K | 0.24% | 2.66% | 0.16% | 18,732 |
| Q4 2024 | $341.9M | $269.0M | $279.4M | $31.8M | $156K | 0.05% | 2.35% | 0.22% | 18,873 |
| Q3 2024 | $350.3M | $263.0M | $283.5M | $32.2M | $486K | 0.18% | 2.21% | 0.17% | 19,039 |
| Q2 2024 | $341.7M | $258.9M | $281.2M | $32.0M | $277K | 0.16% | 2.20% | 0.17% | 19,031 |
Loan mix (Q3 2025): real estate $136.0M · commercial $0 · consumer $144.7M · securities $23.7M
Nothing unusual in — — steady quarter.
| Ratio | Scient | Trend (6q) | 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 | 2.98% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.6% |
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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 | Scient | 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 | Scient | 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 | Scient | 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 | Scient | 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.