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 | $7.9M | $6.5M | $3.7M | $1.4M | $-39K | -0.50% | 2.73% | 2.65% | 1,455 |
| Q3 2025 | $7.8M | $6.4M | $3.5M | $1.4M | $-33K | -0.57% | 2.74% | 1.83% | 1,531 |
| Q2 2025 | $7.6M | $6.2M | $3.4M | $1.4M | $-25K | -0.66% | 2.75% | 1.86% | 1,529 |
| Q1 2025 | $7.5M | $6.0M | $3.3M | $1.4M | $-17K | -0.89% | 2.70% | 1.62% | 1,528 |
| Q4 2024 | $7.4M | $5.9M | $3.4M | $1.4M | $-59K | -0.79% | 2.69% | 4.21% | 1,533 |
| Q3 2024 | $7.4M | $6.0M | $3.3M | $1.4M | $-49K | -0.87% | 2.64% | 4.07% | 1,550 |
| Q2 2024 | $7.3M | $5.9M | $3.4M | $1.5M | $-39K | -1.05% | 2.55% | 4.33% | 1,548 |
Loan mix (Q4 2025): real estate $727K · commercial $0 · consumer $2.7M · securities $3.1M
Nothing unusual in — — steady quarter.
| Ratio | St. Mary | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.50% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.8% |
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. Mary | 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. Mary | 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. Mary | 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. Mary | 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.