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 | $56.2M | $46.4M | $35.0M | $9.5M | $322K | 1.15% | 4.60% | 0.03% | 5,918 |
| Q1 2025 | $57.6M | $48.0M | $36.2M | $9.3M | $158K | 1.10% | 4.45% | 0.08% | 6,005 |
| Q4 2024 | $56.5M | $47.2M | $38.3M | $9.2M | $862K | 1.52% | 4.70% | 0.18% | 6,115 |
| Q3 2024 | $58.0M | $48.7M | $39.8M | $8.9M | $616K | 1.42% | 4.55% | 0.26% | 6,242 |
| Q2 2024 | $58.6M | $49.3M | $42.1M | $8.7M | $408K | 1.39% | 4.45% | 0.09% | 6,324 |
Loan mix (Q2 2025): real estate $1.9M · commercial $823K · consumer $29.4M · securities $1.1M
Nothing unusual in — — steady quarter.
| Ratio | Vital | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% |
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 | Vital | 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 | Vital | 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 | Vital | 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 | Vital | 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.