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 | $101.7M | $88.2M | $27.5M | $13.1M | $1.2M | 1.16% | 3.95% | 0.54% | 5,957 |
| Q3 2025 | $102.3M | $89.0M | $27.7M | $12.8M | $867K | 1.13% | 3.82% | 0.74% | 6,059 |
| Q2 2025 | $102.1M | $89.1M | $27.5M | $12.4M | $528K | 1.03% | 3.71% | 0.67% | 6,089 |
| Q1 2025 | $102.5M | $90.2M | $27.5M | $12.0M | $203K | 0.79% | 3.57% | 0.53% | 6,156 |
| Q4 2024 | $99.3M | $87.0M | $27.8M | $11.8M | $693K | 0.70% | 3.32% | 0.74% | 6,490 |
| Q3 2024 | $99.2M | $87.3M | $28.6M | $11.5M | $470K | 0.63% | 3.24% | 0.70% | 6,589 |
| Q2 2024 | $99.9M | $88.1M | $29.3M | $11.3M | $274K | 0.55% | 3.10% | 0.74% | 6,758 |
Loan mix (Q4 2025): real estate $11.5M · commercial $0 · consumer $15.9M · securities $66.9M
Nothing unusual in — — steady quarter.
| Ratio | U. S. Employees | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% |
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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 | U. S. Employees | 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 | U. S. Employees | 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 | U. S. Employees | 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 | U. S. Employees | 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% |
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