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 | $3.8M | $3.6M | $2.7M | $166K | $-273K | -7.20% | 2.99% | 3.79% | 403 |
| Q3 2025 | $3.9M | $3.7M | $2.7M | $223K | $-216K | -7.35% | 3.26% | 3.98% | 407 |
| Q2 2025 | $4.0M | $3.7M | $2.8M | $241K | $-198K | -9.92% | 3.47% | 1.55% | 420 |
| Q1 2025 | $4.1M | $3.7M | $2.8M | $433K | $-5K | -0.51% | 4.14% | 0.91% | 424 |
| Q4 2024 | $4.1M | $3.7M | $2.6M | $439K | $-135K | -3.29% | 2.99% | 1.85% | 433 |
| Q3 2024 | $4.3M | $3.8M | $2.8M | $509K | $-64K | -2.00% | 3.03% | 0.90% | 435 |
| Q2 2024 | $4.4M | $3.8M | $2.9M | $537K | $-37K | -1.71% | 3.07% | 0.85% | 438 |
Loan mix (Q4 2025): real estate $357K · commercial $0 · consumer $2.1M · securities $250K
Nothing unusual in — — steady quarter.
| Ratio | West Monroe | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -7.20% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -164.9% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 324.9% |
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 | West Monroe | 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 | West Monroe | 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 | West Monroe | 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 | West Monroe | 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.