| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.3 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.5M | $56.2M | $44.8M | $9.9M | $196K | 0.60% | 3.13% | 2.23% | 7,891 |
| Q1 2026 | $64.5M | $55.1M | $43.9M | $9.8M | $60K | 0.37% | 3.09% | 1.60% | 7,931 |
| Q4 2025 | $61.9M | $52.7M | $43.9M | $9.7M | $405K | 0.65% | 3.41% | 2.14% | 8,030 |
| Q3 2025 | $61.2M | $52.1M | $43.9M | $9.7M | $337K | 0.73% | 3.47% | 1.32% | 8,012 |
| Q2 2025 | $61.0M | $52.0M | $43.2M | $9.5M | $213K | 0.70% | 3.47% | 1.62% | 8,026 |
| Q1 2025 | $60.8M | $52.0M | $42.2M | $9.4M | $89K | 0.58% | 3.33% | 1.45% | 8,023 |
| Q4 2024 | $59.4M | $50.5M | $42.7M | $9.3M | $199K | 0.34% | 3.13% | 2.52% | 8,183 |
| Q3 2024 | $58.8M | $50.0M | $44.0M | $9.3M | $150K | 0.34% | 3.10% | 2.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,271 |
| Q2 2024 | $58.3M | $49.5M | $44.0M | $9.2M | $59K | 0.20% | 3.06% | 1.39% | 8,523 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $30.9M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 80.6% | 32nd |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Tulsa, OK, ranked 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 2 | $56.2M* | 0.14% | 53rd |
Oklahoma: 199th with 0.03% · Tulsa metro: 61st, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2