| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.1% | +1.6 pts |
| Share growth (YoY) | +5.9% | +3.5% | +2.4 pts |
| Loan growth (YoY) | +1.7% | +2.9% | -1.2 pts |
| ROA | 0.70% | 0.74% | -0.0 pts |
| ROE | 5.1% | 6.5% | -1.3 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 | $196.5M | $168.5M | $112.0M | $26.9M | $691K | 0.70% | 2.92% | 0.21% | 13,200 |
| Q1 2026 | $197.8M | $170.8M | $107.5M | $26.5M | $279K | 0.56% | 2.85% | 0.18% | 13,243 |
| Q4 2025 | $189.9M | $163.0M | $110.6M | $26.2M | $1.6M | 0.82% | 2.81% | 0.26% | 13,391 |
| Q3 2025 | $184.7M | $158.4M | $106.3M | $25.9M | $1.2M | 0.90% | 2.87% | 0.17% | 13,415 |
| Q2 2025 | $185.8M | $159.1M | $110.1M | $25.7M | $973K | 1.05% | 2.83% | 0.28% | 13,479 |
| Q1 2025 | $186.7M | $160.8M | $106.2M | $25.0M | $248K | 0.53% | 2.74% | 0.29% | 13,586 |
| Q4 2024 | $182.2M | $156.7M | $110.7M | $24.7M | $1.2M | 0.64% | 2.73% | 0.12% | 13,655 |
| Q3 2024 | $183.3M | $157.7M | $108.7M | $24.6M | $992K | 0.72% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.74% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 6.5% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 13,691 |
| Q2 2024 | $185.0M | $159.8M | $112.0M | $24.2M | $687K | 0.74% | 2.64% | 0.24% | 13,850 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $86.3M · securities $51.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 77.5% | 54th |
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.
4 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Stephens, OK, ranked 6th with 5.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stephens, OK | 2 | $84.2M* | 5.63% | 6th |
| Custer, OK | 1 | $42.1M* | 3.50% | 14th |
| Beckham, OK | 1 | $42.1M* | 3.92% | 6th |
Oklahoma: 132nd with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4