| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.3 pts |
| Share growth (YoY) | +7.8% | +3.5% | +4.2 pts |
| Loan growth (YoY) | -13.7% | +2.9% | -16.6 pts |
| ROA | -0.17% | 0.74% | -0.9 pts |
| ROE | -1.8% | 6.5% | -8.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.0M | $94.7M | $66.9M | $10.4M | $-92K | -0.17% | 4.84% | 0.55% | 9,032 |
| Q1 2026 | $101.2M | $90.7M | $68.8M | $10.4M | $-139K | -0.55% | 4.87% | 0.75% | 9,374 |
| Q4 2025 | $98.2M | $86.7M | $75.9M | $10.5M | $362K | 0.37% | 5.54% | 0.21% | 8,786 |
| Q3 2025 | $96.8M | $86.7M | $74.9M | $10.3M | $97K | 0.13% | 5.52% | 0.13% | 8,868 |
| Q2 2025 | $98.7M | $87.9M | $77.6M | $10.1M | $-62K | -0.13% | 5.37% | 0.33% | 8,936 |
| Q1 2025 | $102.9M | $91.1M | $73.6M | $9.9M | $-315K | -1.22% | 5.02% | 0.20% | 8,999 |
| Q4 2024 | $101.8M | $90.2M | $75.0M | $10.2M | $-577K | -0.57% | 5.20% | 0.33% | 9,022 |
| Q3 2024 | $105.0M | $94.2M | $73.5M | $10.2M | $-585K | -0.74% | 4.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.74% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 6.5% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 9,054 |
| Q2 2024 | $107.6M | $96.1M | $76.0M | $10.9M | $184K | 0.34% | 4.93% | 0.97% | 9,091 |
Loan mix (Q2 2026): real estate $21.8M · commercial $23.7M · consumer $19.4M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.7% | 77.5% | 97th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kay, OK, ranked 5th with 6.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kay, OK | 3 | $94.7M* | 6.74% | 5th |
Oklahoma: 173rd with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3