| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.7% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 0.6% | 4.4% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.9M | $33.7M | $29.3M | $5.9M | $17K | 0.09% | 5.19% | 1.75% | 3,407 |
| Q1 2026 | $39.4M | $33.1M | $28.6M | $6.0M | $38K | 0.39% | 5.25% | 1.78% | 3,427 |
| Q4 2025 | $40.4M | $34.3M | $28.4M | $5.9M | $224K | 0.55% | 5.47% | 0.41% | 3,483 |
| Q3 2025 | $40.5M | $34.3M | $28.0M | $6.0M | $188K | 0.62% | 5.48% | 0.79% | 3,642 |
| Q2 2025 | $41.8M | $35.8M | $29.4M | $5.9M | $139K | 0.67% | 5.32% | 0.76% | 3,717 |
| Q1 2025 | $41.7M | $35.7M | $29.1M | $5.9M | $69K | 0.66% | 5.20% | 0.59% | 3,927 |
| Q4 2024 | $41.6M | $35.6M | $30.0M | $5.8M | $321K | 0.77% | 5.17% | 0.67% | 4,038 |
| Q3 2024 | $41.8M | $35.9M | $30.8M | $5.8M | $258K | 0.82% | 5.14% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,154 |
| Q2 2024 | $42.9M | $37.1M | $31.2M | $5.7M | $174K | 0.81% | 4.95% | 0.80% | 4,256 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $22.1M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 80.6% | 75th |
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: Oklahoma, OK, ranked 68th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 3 | $33.7M* | 0.06% | 68th |
Oklahoma: 221st with 0.02% · Oklahoma City metro: 81st, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3