| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +1.3% | +8.3 pts |
| Share growth (YoY) | +10.2% | +0.9% | +9.3 pts |
| Loan growth (YoY) | -1.6% | -2.6% | +1.1 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.0M | $8.9M | $6.1M | $1.0M | $28K | 0.55% | 3.99% | 0.00% | 956 |
| Q1 2026 | $10.0M | $8.9M | $6.0M | $1.0M | $7K | 0.26% | 3.95% | 0.00% | 958 |
| Q4 2025 | $10.0M | $8.9M | $6.1M | $1.0M | $12K | 0.12% | 3.71% | 0.00% | 955 |
| Q3 2025 | $9.9M | $8.7M | $5.9M | $1.0M | $46K | 0.63% | 4.10% | 0.00% | 953 |
| Q2 2025 | $9.2M | $8.1M | $6.1M | $1.0M | $27K | 0.59% | 4.23% | 0.00% | 956 |
| Q1 2025 | $9.1M | $8.0M | $6.3M | $1.0M | $9K | 0.41% | 4.18% | 0.00% | 956 |
| Q4 2024 | $8.8M | $7.7M | $6.2M | $1.0M | $5K | 0.06% | 3.92% | 0.00% | 949 |
| Q3 2024 | $8.8M | $7.7M | $6.3M | $1.0M | $29K | 0.44% | 4.12% | 0.08% | 945 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.8M | $7.7M | $6.4M | $1.0M | $15K | 0.35% | 3.97% | 0.00% | 942 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 80.6% | 68th |
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: Caddo, OK, ranked 11th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, OK | 1 | $8.9M* | 1.19% | 11th |
Oklahoma: 243rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1