# CHARTER BANK
ALBUQUERQUE, NM · FDIC certificate 59030 · asset band $300M-1B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $706.0M | |
| Deposits | $257.5M | |
| Loans and leases | $484.9M | |
| Total equity | $191.2M | |
| Loans / deposits | 175.69% (p100 of band) | 77.91% |
| Liquid assets / assets | 23.45% (p35 of band) | |
| Uninsured deposits / deposits | 1.01% (p2 of band) | 12.16% |
| Brokered deposits | 0.28% | |
| Wholesale funding | 33.20% (p98 of band) | |
| FHLB advances / assets | 32.92% | |
| Tier 1 leverage | 27.02% (p100 of band) | 9.49% |
| Unrealized securities loss / equity | 8.09% (p73 of band) | 4.04% |
| AOCI / equity | 0.36% (p25 of band) | |
| ROA (annualized) | -4.31% (p1 of band) | 0.70% |
| Net interest margin | 6.46% (p99 of band) | 3.76% |
| Efficiency ratio | 85.81% (p85 of band) | |
| Noncurrent loans | 26.80% (p100 of band) | 2.16% |
| Net charge-offs (annualized) | 0.91% (p80 of band) | |
| Reserve coverage of noncurrent | 24.95% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 41.32% (p55 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 67 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2010-01-22 [Evergreen Bank seized, sold to Umpqua Bank - KING5.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQc0FhdnlSYU94RC1TV2VOYzlwNDl0ZE9CS0xDMTlob0hrUVBEa3BOUjhoMlhyVm80YUxRRHJyODRzUUNQNUxMTkc4M1U0eU5EeUNheXZNNXJYUGhSdkZxU1YteHpuaFZHTExiZE4xQnkybmtQaFktUGx5ckdIaXdnbWJlQ2FnclNPMzlHUVh2Vy14ak54bGc?oc=5) · KING5.com
- 2013-03-19 [Robert Wertheim Obituary March 19, 2013 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBpZ2lHdERQX2RySmsyYUNWLVBnT2FiaHhtZElkUFFhLVI3VS1hSDRpSXJfUmxqbnl2a3VWaElKQVowUTFwVndOdDNXTmduS2lCQzZTbFYwdDRnN05RMjNMaTZyUVZpdmRX?oc=5) · French Funerals & Cremations
- 2015-12-04 [Hitting the ‘generational number’ - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUldZNnBBcVlYSG5xOVg1T3JQYkU1TVdGVkw4cmRXRVhWNThSTWpfSUdZbDVTYkdWeFJHTTBrRGFfTkNlY3NZUXFFcm4wSTVhanpQNjFLXzBUdXlDVDI1VjRsRnRNQVZhSXRtSzRrNHFfZHlxdHVwZ1lNZi1FZkMybTRkX0VfTDIxV2w1WWNYbUZ6d1hsQjVMeXVuWm53eE1ZaTBV?oc=5) · The Business Journals
- 2017-06-03 [William "Bill" Fortune Wood Obituary June 3, 2017 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiakFVX3lxTE1kdUowZzNqR3IycWZTb25qRkdjMkl2blozVGp5VEVqU0o3eVRhcjBubXhQV2FTXzdQNzdUMUJOUEtrV1lCWUhzbGNCRzhGVkFpVElENnlFbDRwTmZIYm9Kb0pzUU10MXpmQkE?oc=5) · French Funerals & Cremations
- 2019-11-08 [Robert Goodman Obituary (2019) - Albuquerque, NM - Albuquerque Journal - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSEdQLXlVZEFadTFsRElaak8yMXpDMEQ3RXlId2pRMjVfTFpJRlF2b3RXb29NYmM5TmhjUndXWTZ3UzcxZ1ZKNGdxTkdaVGwyak5HNmZFZktUX2lTdGNlZkZXVmVKaDcyUkRrSF95S09URmZWVXMxLWxzblQxOGhTNGk1QWgtbzB1YUplN1pMTlQ?oc=5) · legacy.com
- 2017-09-03 [Mary Alice (Kennedy) Marple Obituary September 3, 2017 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1OZlNka3phbHVWN2x5YTQ5Q0dlSVJseG04RjZMdTRJb3hPRmhxOWEwTnBYSTRmdDNyalJPUWdMRlFsbWEtVWtjZm9pdXFDc3pFQzFjMEhKbkRUY0tVcHlKY1hvdw?oc=5) · French Funerals & Cremations

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59030 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "59030", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide