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 | $423.9M | $386.3M | $291.7M | $40.6M | $2.4M | 0.57% | 2.86% | 0.80% | 20,801 |
| Q3 2025 | $423.8M | $384.5M | $298.1M | $40.2M | $2.1M | 0.65% | 2.87% | 0.68% | 20,848 |
| Q2 2025 | $418.8M | $377.4M | $305.8M | $39.4M | $1.3M | 0.60% | 2.86% | 0.80% | 20,827 |
| Q1 2025 | $420.9M | $381.9M | $309.8M | $38.8M | $632K | 0.60% | 2.75% | 0.53% | 21,983 |
| Q4 2024 | $416.8M | $371.4M | $308.8M | $38.2M | $1.4M | 0.34% | 2.52% | 0.90% | 22,190 |
| Q3 2024 | $416.1M | $371.8M | $309.7M | $37.8M | $1.0M | 0.33% | 2.51% | 0.75% | 22,204 |
| Q2 2024 | $418.5M | $370.0M | $311.8M | $37.5M | $715K | 0.34% | 2.50% | 0.68% | 22,197 |
Loan mix (Q4 2025): real estate $122.2M · commercial $71.4M · consumer $88.1M · securities $79.1M
Nothing unusual in — — steady quarter.
| Ratio | United Texas | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% |
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 Texas | 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 | United Texas | 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 | United Texas | 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 | United Texas | 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% |
The full ratio pack is part of CharterBench Pro.