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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $92.8M | $79.1M | $48.9M | $13.3M | $-3.0M | -13.09% | -9.94% | 0.20% | 3,754 |
| Q4 2024 | $90.5M | $73.6M | $49.9M | $16.3M | $160K | 0.18% | 2.85% | 0.55% | 3,878 |
| Q3 2024 | $86.6M | $69.7M | $51.4M | $16.3M | $163K | 0.25% | 2.98% | 0.54% | 3,896 |
| Q2 2024 | $87.7M | $71.2M | $52.6M | $16.2M | $53K | 0.12% | 2.86% | 0.31% | 3,951 |
Loan mix (Q1 2025): real estate $37.6M · commercial $0 · consumer $10.5M · securities $22.8M
Nothing unusual in — — steady quarter.
| Ratio | T&I | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -13.09% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -91.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | -9.94% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
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 | T&I | Trend (4q) | 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 | T&I | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | T&I | Trend (4q) | 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 | T&I | Trend (4q) | 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 | T&I | Trend (4q) | 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.
2 branches in 1 county across 1 state (+0 vs 2023). Biggest market: Oakland, MI, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 2 | $71.2M* | 0.07% | 52nd |
Michigan: 224th with 0.02% · Detroit-Warren-Dearborn metro: 78th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2