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 | $279K | $131K | $86K | $146K | $-64K | -30.79% | -21.41% | 0.00% | 299 |
| Q2 2025 | $375K | $220K | $97K | $152K | $-58K | -30.87% | -25.36% | 0.00% | 110 |
| Q1 2025 | $410K | $253K | $113K | $153K | $-61K | -59.41% | -49.27% | 0.00% | 299 |
| Q4 2024 | $530K | $319K | $144K | $209K | $2K | 0.34% | 4.24% | 0.26% | 299 |
| Q3 2024 | $611K | $400K | $139K | $209K | $2K | 0.52% | 3.92% | 0.30% | 299 |
| Q2 2024 | $633K | $424K | $157K | $208K | $-12K | -3.93% | 3.52% | 0.00% | 299 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $86K · securities $11K
Nothing unusual in — — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -30.79% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -58.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | -21.41% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | Not enough history yet. | — |
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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 (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 | Value | 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 | Value | 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 | Value | 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.