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 | $673K | $497K | $635K | $176K | $-7K | -2.15% | 5.51% | 0.00% | 148 |
| Q1 2025 | $781K | $603K | $723K | $177K | $-5K | -2.78% | 4.62% | 0.00% | 159 |
| Q4 2024 | $874K | $690K | $758K | $183K | $-181 | -0.02% | 4.60% | 0.00% | 161 |
| Q3 2024 | $968K | $783K | $825K | $184K | $575 | 0.08% | 4.07% | 0.00% | 199 |
| Q2 2024 | $935K | $753K | $809K | $180K | $-3K | -0.62% | 4.24% | 0.00% | 207 |
Loan mix (Q2 2025): real estate $0 · commercial $0 · consumer $586K · securities $0
Nothing unusual in — — steady quarter.
| Ratio | Wood County Employees | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.15% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -8.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 138.9% |
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 | Wood County Employees | 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 | Wood County Employees | 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 | Wood County Employees | 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 | Wood County Employees | 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% |
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