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 | $47.5M | $38.9M | $37.2M | $8.3M | $284K | 1.20% | 3.50% | 1.14% | 3,427 |
| Q1 2025 | $47.2M | $38.8M | $36.3M | $8.1M | $149K | 1.27% | 3.48% | 1.23% | 3,416 |
| Q4 2024 | $44.8M | $36.5M | $36.4M | $8.0M | $627K | 1.40% | 3.55% | 1.77% | 3,392 |
| Q3 2024 | $44.1M | $36.0M | $36.0M | $7.8M | $476K | 1.44% | 3.57% | 0.95% | 3,447 |
| Q2 2024 | $44.3M | $36.2M | $35.3M | $7.7M | $301K | 1.36% | 3.50% | 0.75% | 3,459 |
Loan mix (Q2 2025): real estate $14.7M · commercial $0 · consumer $20.0M · securities $5.9M
Nothing unusual in — — steady quarter.
| Ratio | Securtrust | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% |
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 | Securtrust | 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 | Securtrust | 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 | Securtrust | 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 | Securtrust | 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.