| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +3.9% | +5.5 pts |
| Share growth (YoY) | +4.0% | +3.3% | +0.7 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 0.73% | 0.69% | +0.0 pts |
| ROE | 6.8% | 5.9% | +0.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $308.2M | $254.4M | $162.4M | $32.8M | $559K | 0.73% | 2.77% | 1.41% | 16,745 |
| Q4 2025 | $289.6M | $233.3M | $161.5M | $32.2M | $643K | 0.22% | 2.90% | 1.51% | 17,040 |
| Q3 2025 | $289.8M | $235.0M | $160.8M | $31.8M | $252K | 0.12% | 2.86% | 1.41% | 17,427 |
| Q2 2025 | $274.6M | $235.9M | $158.4M | $32.3M | $670K | 0.49% | 2.98% | 1.52% | 17,954 |
| Q1 2025 | $281.7M | $244.5M | $157.6M | $32.0M | $430K | 0.61% | 2.79% | 1.70% | 18,229 |
| Q4 2024 | $268.9M | $229.7M | $157.8M | $31.6M | $702K | 0.26% | 3.00% | 1.17% | 18,395 |
| Q3 2024 | $272.1M | $235.1M | $159.1M | $31.3M | $453K | 0.22% | 2.98% | 0.96% | 18,526 |
| Q2 2024 | $276.6M | $241.0M | $155.6M | $31.2M | $309K | 0.22% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 18,642 |
Loan mix (Q1 2026): real estate $52.0M · commercial $49.6M · consumer $57.5M · securities $93.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.7% | 34th |
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.
9 branches in 4 counties across 3 states (+0 vs 2024). Biggest market: Tulsa, OK, ranked 40th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 5 | $131.0M* | 0.35% | 40th |
| Harris, TX | 2 | $52.4M* | 0.02% | 107th |
| Kern, CA | 1 | $26.2M* | 0.16% | 28th |
| 1 more county with Pro → | ||||
Oklahoma: 148th with 0.08% · Texas: 546th with 0.00% · California: 388th with 0.00% · Tulsa metro: 44th, 0.31% · Houston-Pasadena-The Woodlands metro: 131st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 9 · 2025 9