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 |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $25.1M | $22.6M | $11.4M | $1.4M | $-988K | -7.87% | 2.55% | 0.87% | 2,817 |
| Q1 2025 | $25.8M | $23.2M | $11.8M | $2.3M | $-94K | -1.47% | 2.58% | 0.82% | 2,854 |
| Q4 2024 | $25.6M | $23.0M | $12.0M | $2.4M | $-234K | -0.91% | 2.59% | 1.56% | 2,958 |
| Q3 2024 | $26.2M | $23.0M | $12.1M | $2.4M | $-256K | -1.30% | 2.50% | 1.04% | 3,231 |
| Q2 2024 | $26.9M | $24.4M | $12.0M | $2.5M | $-151K | -1.13% | 2.52% | 0.64% | 3,016 |
Loan mix (Q2 2025): real estate $6.5M · commercial $1.2M · consumer $3.8M · securities $12.3M
Nothing unusual in — — steady quarter.
| Ratio | United Cities | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -7.87% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -138.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 331.2% |
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 | United Cities | Trend (5q) | 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 Cities | Trend (5q) | 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 Cities | Trend (5q) | 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 Cities | Trend (5q) | 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.