| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | -8.4% | -2.6% | -5.8 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.4M | $17.8M | $7.1M | $3.6M | $19K | 0.18% | 3.70% | 0.60% | 4,527 |
| Q1 2026 | $21.6M | $17.9M | $7.1M | $3.7M | $41K | 0.75% | 3.61% | 2.30% | 4,563 |
| Q4 2025 | $20.8M | $17.7M | $7.3M | $3.6M | $-132K | -0.63% | 4.03% | 4.01% | 4,580 |
| Q3 2025 | $21.1M | $17.3M | $7.6M | $3.7M | $-42K | -0.26% | 4.02% | 4.09% | 4,593 |
| Q2 2025 | $21.1M | $17.4M | $7.7M | $3.7M | $-65K | -0.61% | 4.03% | 2.54% | 4,580 |
| Q1 2025 | $21.5M | $17.7M | $7.9M | $3.8M | $15K | 0.29% | 3.96% | 3.22% | 4,599 |
| Q4 2024 | $20.6M | $16.8M | $8.0M | $3.8M | $-61K | -0.30% | 4.53% | 2.07% | 4,617 |
| Q3 2024 | $21.1M | $17.3M | $8.3M | $3.8M | $-34K | -0.22% | 4.49% | 3.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,640 |
| Q2 2024 | $21.8M | $17.9M | $8.6M | $3.7M | $-57K | -0.53% | 4.37% | 3.10% | 4,673 |
Loan mix (Q2 2026): real estate $1.4M · commercial $45K · consumer $5.0M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.5% | 80.6% | 88th |
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: Tulsa, OK, ranked 63rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 1 | $17.8M* | 0.05% | 63rd |
Oklahoma: 239th with 0.01% · Tulsa metro: 71st, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1