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 |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2025 | $53.2M | $46.3M | $31.0M | $6.3M | $592K | 1.48% | 4.68% | 1.24% | 3,925 |
| Q2 2025 | $51.5M | $44.9M | $31.4M | $6.1M | $389K | 1.51% | 4.73% | 1.41% | 3,952 |
| Q1 2025 | $51.6M | $45.2M | $30.7M | $6.0M | $213K | 1.65% | 4.61% | 0.76% | 3,976 |
| Q4 2024 | $49.5M | $42.9M | $30.7M | $5.7M | $1.0M | 2.04% | 4.77% | 0.82% | 4,002 |
| Q3 2024 | $48.5M | $42.5M | $31.3M | $5.5M | $786K | 2.16% | 4.82% | 0.72% | 4,026 |
| Q2 2024 | $48.2M | $42.6M | $31.2M | $5.3M | $519K | 2.15% | 4.81% | 0.44% | 4,048 |
Loan mix (Q3 2025): real estate $14.1M · commercial $0 · consumer $14.9M · securities $10.7M
Nothing unusual in — — steady quarter.
| Ratio | White River | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% |
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 | White River | Trend (6q) | 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 | White River | Trend (6q) | 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 | White River | Trend (6q) | 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 | White River | Trend (6q) | 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.