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 | $9.32B | $7.33B | $7.31B | $1.17B | $86.1M | 0.92% | 2.52% | 0.34% | 384,731 |
| Q3 2025 | $9.39B | $7.14B | $7.25B | $1.15B | $63.6M | 0.90% | 2.46% | 0.28% | 381,281 |
| Q2 2025 | $9.48B | $7.15B | $7.07B | $1.12B | $33.7M | 0.71% | 2.32% | 0.31% | 377,247 |
| Q1 2025 | $9.71B | $7.23B | $6.93B | $1.10B | $12.1M | 0.50% | 2.18% | 0.52% | 374,509 |
| Q4 2024 | $9.37B | $7.02B | $6.81B | $1.09B | $16.0M | 0.17% | 2.04% | 0.62% | 371,746 |
| Q3 2024 | $9.30B | $6.74B | $6.59B | $1.09B | $11.1M | 0.16% | 2.02% | 0.39% | 366,643 |
| Q2 2024 | $9.33B | $6.76B | $6.60B | $1.08B | $6.9M | 0.15% | 2.00% | 0.74% | 362,796 |
Loan mix (Q4 2025): real estate $4.34B · commercial $1.86B · consumer $1.03B · securities $1.30B
Nothing unusual in — — steady quarter.
| Ratio | Wings Financial | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% |
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 | Wings Financial | 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 | Wings Financial | 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 | Wings Financial | 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 | Wings Financial | 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.