Employees Federal Credit Union
Total assets
$48.1M
▲ +1.1% YoY
Shares & deposits
$44.1M
▲ +1.8% YoY
Loans
$26.8M
▲ +5.5% YoY
Members
3,434
▼ -6.4% YoY
ROA (annualized)
-0.08%
peers 0.60%
ROE (annualized)
-0.94%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | -0.08% | 0.60% | -0.7 pts |
| ROE | -0.9% | 4.1% | -5.0 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1120 W 17Th St, Tulsa, OK, 74107
- NCUA charter #
- 9715
- RSSD ID
- 910480
- 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 | $48.1M | $44.1M | $26.8M | $3.9M | $-9K | -0.08% | 3.99% | 1.42% | 3,434 |
| Q4 2025 | $47.5M | $43.5M | $26.8M | $3.9M | $98K | 0.21% | 3.80% | 3.34% | 3,448 |
| Q3 2025 | $47.7M | $43.6M | $26.9M | $4.0M | $52K | 0.15% | 3.67% | 3.21% | 3,496 |
| Q2 2025 | $47.4M | $43.3M | $26.4M | $4.0M | $48K | 0.20% | 3.63% | 3.57% | 3,548 |
| Q1 2025 | $47.6M | $43.3M | $25.4M | $3.9M | $21K | 0.18% | 3.64% | 3.18% | 3,668 |
| Q4 2024 | $46.4M | $42.0M | $25.0M | $3.9M | $16K | 0.04% | 3.46% | 4.18% | 3,462 |
| Q3 2024 | $45.8M | $42.7M | $24.0M | $3.9M | $2K | 0.01% | 3.34% | 5.57% | 4,156 |
| Q2 2024 | $47.8M | $43.6M | $24.7M | $3.9M | $-18K | -0.08% | 3.14% | 2.56% | 4,234 |
Loan mix (Q1 2026): real estate $12.9M · commercial $0 · consumer $12.1M · securities $14.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 81.5% | 81th | |
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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