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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2025 | $456.9M | $425.9M | $276.7M | $45.8M | $629K | 0.55% | 2.93% | 0.74% | 36,115 |
| Q4 2024 | $441.0M | $413.7M | $277.6M | $45.1M | $2.6M | 0.59% | 2.83% | 0.55% | 36,086 |
| Q3 2024 | $434.6M | $404.0M | $277.3M | $44.6M | $2.0M | 0.62% | 2.82% | 0.35% | 36,191 |
| Q2 2024 | $413.8M | $390.5M | $276.0M | $43.5M | $895K | 0.43% | 2.91% | 0.45% | 36,278 |
Loan mix (Q1 2025): real estate $91.9M · commercial $26.0M · consumer $141.2M · securities $99.8M
Nothing unusual in — — steady quarter.
| Ratio | Winsouth | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | Not enough history yet. | — | — |
Non-interest income share |
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| 00.0% |
| 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Winsouth | Trend (4q) | 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 | Winsouth | Trend (4q) | 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 | Winsouth | Trend (4q) | 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 | Winsouth | Trend (4q) | 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.