Communication Federal Credit Union
Total assets
$2.34B
▲ +8.4% YoY
Shares & deposits
$2.01B
▲ +6.2% YoY
Loans
$1.60B
▼ -3.1% YoY
Members
132,568
▲ +2.9% YoY
ROA (annualized)
0.47%
peers 0.71%
ROE (annualized)
4.01%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.1% | +3.2 pts |
| Share growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Loan growth (YoY) | -3.1% | +5.4% | -8.6 pts |
| ROA | 0.47% | 0.71% | -0.2 pts |
| ROE | 4.0% | 6.3% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 4141 Nw Expressway, Suite 200, Oklahoma City, OK, 73116
- NCUA charter #
- 3454
- RSSD ID
- 603670
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.34B | $2.01B | $1.60B | $272.6M | $2.7M | 0.47% | 3.00% | 1.05% | 132,568 |
| Q4 2025 | $2.29B | $1.97B | $1.60B | $268.2M | $15.2M | 0.66% | 3.27% | 1.34% | 131,033 |
| Q3 2025 | $2.25B | $1.89B | $1.62B | $268.7M | $10.9M | 0.64% | 3.28% | 1.30% | 130,700 |
| Q2 2025 | $2.18B | $1.85B | $1.63B | $260.5M | $2.6M | 0.24% | 3.30% | 1.17% | 131,008 |
| Q1 2025 | $2.16B | $1.89B | $1.66B | $254.5M | $-3.4M | -0.62% | 2.92% | 1.02% | 128,861 |
| Q4 2024 | $2.20B | $1.88B | $1.65B | $257.9M | $8.1M | 0.37% | 2.99% | 1.17% | 127,740 |
| Q3 2024 | $2.14B | $1.83B | $1.64B | $267.6M | $15.8M | 0.99% | 3.15% | 1.19% | 126,321 |
| Q2 2024 | $2.11B | $1.81B | $1.64B | $258.5M | $6.7M | 0.64% | 3.16% | 1.06% | 124,880 |
Loan mix (Q1 2026): real estate $400.8M · commercial $5.3M · consumer $1.19B · securities $467.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.71% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 6.3% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.32% | 28th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 73.0% | 8th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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