| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.1 pts |
| Loan growth (YoY) | -11.6% | -2.6% | -9.0 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.5M | $37.4M | $7.1M | $6.5M | $145K | 0.68% | 2.89% | 0.39% | 3,789 |
| Q1 2026 | $43.3M | $38.1M | $7.3M | $6.4M | $66K | 0.61% | 2.79% | 0.55% | 3,791 |
| Q4 2025 | $43.0M | $37.7M | $7.5M | $6.3M | $371K | 0.86% | 2.79% | 0.31% | 3,800 |
| Q3 2025 | $42.4M | $37.3M | $7.8M | $6.3M | $286K | 0.90% | 2.83% | 0.03% | 3,949 |
| Q2 2025 | $43.1M | $38.6M | $8.1M | $6.1M | $180K | 0.83% | 2.77% | 0.07% | 3,964 |
| Q1 2025 | $43.7M | $39.3M | $8.5M | $6.0M | $73K | 0.67% | 2.63% | 0.11% | 3,964 |
| Q4 2024 | $41.8M | $38.2M | $8.7M | $6.0M | $370K | 0.89% | 2.75% | 0.44% | 3,979 |
| Q3 2024 | $42.0M | $37.6M | $9.3M | $5.9M | $295K | 0.94% | 2.73% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,192 |
| Q2 2024 | $40.7M | $37.1M | $9.7M | $5.8M | $193K | 0.95% | 2.77% | 0.02% | 4,189 |
Loan mix (Q2 2026): real estate $2.0M · commercial $0 · consumer $3.3M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 80.6% | 53rd |
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 | Value | Trend (8q) | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | 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 | Value | Trend (8q) | 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 | Value | Trend (8q) | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Pottawatomie, OK, ranked 9th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pottawatomie, OK | 1 | $37.4M* | 1.75% | 9th |
Oklahoma: 215th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1