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 | $297K | $195K | $6K | $102K | $22K | 7.55% | 2.07% | 0.00% | 72 |
| Q3 2025 | $283K | $176K | $7K | $108K | $28K | 13.03% | 3.01% | 0.00% | 82 |
| Q2 2025 | $291K | $183K | $8K | $107K | $27K | 18.85% | 2.83% | 0.00% | 82 |
| Q1 2025 | $258K | $183K | $9K | $75K | $332 | 0.52% | 3.51% | 0.00% | 82 |
| Q4 2024 | $251K | $176K | $10K | $75K | $3K | 1.02% | 3.53% | 0.00% | 99 |
| Q3 2024 | $253K | $179K | $13K | $75K | $3K | 1.34% | 3.82% | 0.00% | 99 |
| Q2 2024 | $303K | $231K | $11K | $73K | $846 | 0.56% | 3.37% | 56.28% | 100 |
Loan mix (Q4 2025): real estate $0 · commercial $0 · consumer $6K · securities $229K
Nothing unusual in — — steady quarter.
| Ratio | St. Jude | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 7.55% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.07% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.2% |
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 | St. Jude | 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 | St. Jude | 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 | St. Jude | 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 | St. Jude | 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.