How signals are computed

Every flag on CharterBench is a formula on public call-report data. The formulas are here so you can reproduce them.

Signals describe and rank; they are not ratings or predictions. “High relative to peers” and “worsening three quarters running” are things the numbers say. What they mean for a given institution is a conversation to have with that institution. Sources: FDIC BankFind Suite financials (quarterly), NCUA 5300 call reports (quarterly); refreshed weekly. Peer groups are charter type × asset band.

Signal	Rule	Kind
Deposits down `deposits_down`	Total deposits (shares) at least 5% below the same quarter a year earlier.	warn
Deposits up `deposits_up`	Total deposits at least 10% above a year earlier.	good
Loans up `loans_up`	Total loans at least 15% above a year earlier.	good
Loans down `loans_down`	Total loans at least 5% below a year earlier.	warn
Delinquency up `delinquency_up`	Nonperforming ratio (banks: nonperforming assets ÷ assets; CUs: 60+ day delinquent ÷ loans) up 0.50 percentage points or more year over year.	warn
Efficiency worsening `efficiency_worsening`	Efficiency ratio higher than the prior quarter, three quarters running.	warn
Crossed $1B `crossed_1b_up`	Total assets crossed $1 billion this quarter (either direction is flagged).	info
Crossed $10B `crossed_10b_up`	Total assets crossed $10 billion this quarter (either direction is flagged).	info
Net loss `net_loss`	Return on assets below zero for the quarter's year-to-date.	warn
Thin capital `capital_thin`	Capital ratio (banks: tier-1 leverage; CUs: net worth ÷ assets) below 6% for banks or 8% for credit unions.	warn
Members down `members_down`	Credit union membership at least 2% below a year earlier.	warn
Uninsured deposits high `uninsured_high`	Estimated uninsured deposits (banks: FDIC field DEPUNA; CUs: NCUA account 068A) are 40% or more of total deposits.	warn
Securities losses `securities_loss_high`	Unrealized losses on held-to-maturity plus available-for-sale securities (amortized cost minus fair value) are 30% or more of tier-1 capital. Banks only until CU fair-value fields are verified.	warn
Brokered deposits up `brokered_up`	Brokered deposits as a share of total deposits up 5 percentage points or more year over year. Banks only.	warn
Borrowings up `borrowings_up`	Borrowings (FHLB advances, fed funds purchased, repos and other borrowed money) as a share of assets up 5 percentage points or more year over year.	warn
Merged / failed / stopped filing `merger`	From the FDIC institution history (with the surviving institution) and, for credit unions, absence from the next NCUA filing cycle.	info

Ratios

Ratio definitions and the fields behind them are listed on each institution page’s ratio pack (hover the name) and in the API docs. Liquidity ratios added September 2026: uninsured deposit share, brokered deposit share, borrowings-to-assets, securities losses ÷ capital.

Think a threshold is wrong for your segment? Tell us — thresholds are reviewed each quarter against the peer distributions.