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 | $1.1M | $791K | $349K | $223K | $-106K | -9.89% | 7.30% | 4.08% | 164 |
| Q3 2025 | $1.2M | $823K | $376K | $353K | $24K | 2.76% | 6.96% | 6.93% | 166 |
| Q2 2025 | $1.2M | $839K | $370K | $356K | $27K | 4.50% | 6.77% | 5.94% | 172 |
| Q1 2025 | $1.2M | $831K | $352K | $337K | $8K | 2.62% | 6.91% | 2.47% | 180 |
| Q4 2024 | $1.2M | $849K | $369K | $335K | $-5K | -0.39% | 7.94% | 3.50% | 180 |
| Q3 2024 | $1.2M | $896K | $384K | $343K | $4K | 0.38% | 7.73% | 3.52% | 182 |
| Q2 2024 | $1.4M | $1.0M | $396K | $355K | $15K | 2.24% | 6.87% | 7.95% | 187 |
Loan mix (Q4 2025): real estate $0 · commercial $0 · consumer $349K · securities $403K
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -9.89% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -47.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 7.30% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 166.1% |
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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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.