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 | $2K | $0 | $0 | $2K | $0 | 0.00% | 0.00% | — | 1 |
| Q2 2025 | $181K | $130K | $0 | $51K | $2K | 2.58% | 5.77% | — | 64 |
| Q1 2025 | $195K | $138K | $10K | $62K | $4K | 7.41% | 9.07% | 0.00% | 64 |
| Q4 2024 | $190K | $134K | $12K | $59K | $3K | 1.42% | 3.03% | 0.00% | 66 |
| Q3 2024 | $193K | $136K | $13K | $61K | $2K | 1.69% | 3.00% | 0.00% | 67 |
| Q2 2024 | $189K | $136K | $15K | $54K | $1K | 1.41% | 2.91% | 0.00% | 67 |
Nothing unusual in — — steady quarter.
| Ratio | Union Congregational | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
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 | Union Congregational | 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 | Union Congregational | 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 | Union Congregational | 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 | Union Congregational | 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.