| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.6 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.6 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.8M | $42.6M | $28.1M | $4.0M | $59K | 0.25% | 4.24% | 0.98% | 3,397 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,156 |
| Q2 2024 | $47.8M | $43.6M | $24.7M | $3.9M | $-18K | -0.08% | 3.14% | 2.56% | 4,234 |
Loan mix (Q2 2026): real estate $13.0M · commercial $600K · consumer $12.3M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 80.6% | 79th |
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: Tulsa, OK, ranked 57th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 3 | $42.6M* | 0.11% | 57th |
Oklahoma: 213th with 0.03% · Tulsa metro: 65th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 3 · 2026 3