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 | $23.2M | $21.9M | $15.4M | $825K | $-1.5M | -8.69% | 4.84% | 1.99% | 2,856 |
| Q2 2025 | $24.0M | $22.1M | $16.3M | $1.8M | $-551K | -4.60% | 4.55% | 3.71% | 3,199 |
| Q1 2025 | $24.5M | $22.0M | $16.3M | $2.2M | $-168K | -2.74% | 4.25% | 4.06% | 3,085 |
| Q4 2024 | $25.0M | $22.3M | $16.9M | $2.3M | $-522K | -2.09% | 4.33% | 3.83% | 3,099 |
| Q3 2024 | $26.3M | $23.3M | $17.2M | $2.5M | $-348K | -1.76% | 4.02% | 3.16% | 3,123 |
| Q2 2024 | $27.4M | $24.4M | $17.3M | $2.7M | $-187K | -1.37% | 3.78% | 2.56% | 3,157 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $14.4M · securities $3.0M
Nothing unusual in — — steady quarter.
| Ratio | United Arkansas | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.69% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -244.0% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 178.0% |
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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 | United Arkansas | 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 | United Arkansas | 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 | United Arkansas | 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 | United Arkansas | 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.