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 | $1.06B | $885.2M | $776.4M | $105.5M | $5.8M | 0.54% | 3.61% | 1.00% | 80,465 |
| Q3 2025 | $1.04B | $863.8M | $745.3M | $105.6M | $4.8M | 0.61% | 3.64% | 0.81% | 79,996 |
| Q2 2025 | $1.04B | $860.5M | $721.5M | $104.1M | $3.3M | 0.63% | 3.62% | 0.94% | 79,460 |
| Q1 2025 | $1.05B | $872.3M | $709.7M | $101.7M | $881K | 0.34% | 3.48% | 0.93% | 79,448 |
| Q4 2024 | $1.03B | $845.6M | $715.7M | $100.8M | $4.8M | 0.47% | 3.31% | 1.00% | 78,988 |
| Q3 2024 | $1.04B | $862.4M | $721.0M | $100.4M | $3.3M | 0.43% | 3.22% | 0.68% | 74,150 |
| Q2 2024 | $1.04B | $853.6M | $722.5M | $99.6M | $2.5M | 0.48% | 3.14% | 0.71% | 77,962 |
Loan mix (Q4 2025): real estate $226.6M · commercial $83.7M · consumer $400.4M · securities $91.5M
Nothing unusual in — — steady quarter.
| Ratio | Valley First | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% |
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 | Valley First | 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 | Valley First | 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 | Valley First | 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 | Valley First | 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.