| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.1% | +2.0 pts |
| Share growth (YoY) | +6.2% | +3.5% | +2.6 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.3 pts |
| ROA | 0.52% | 0.74% | -0.2 pts |
| ROE | 4.5% | 6.5% | -2.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.4M | $135.5M | $113.7M | $18.0M | $400K | 0.52% | 4.31% | 0.62% | 19,340 |
| Q1 2026 | $151.0M | $132.8M | $108.5M | $17.8M | $88K | 0.23% | 4.27% | 0.89% | 19,075 |
| Q4 2025 | $147.3M | $128.5M | $111.0M | $17.7M | $1.1M | 0.77% | 4.25% | 1.08% | 18,722 |
| Q3 2025 | $145.5M | $127.7M | $108.0M | $17.5M | $725K | 0.66% | 4.25% | 0.82% | 18,803 |
| Q2 2025 | $145.4M | $127.6M | $108.2M | $17.1M | $297K | 0.41% | 4.16% | 1.31% | 18,360 |
| Q1 2025 | $143.5M | $126.4M | $106.6M | $16.8M | $-56K | -0.16% | 4.13% | 0.89% | 18,184 |
| Q4 2024 | $141.6M | $123.5M | $107.6M | $16.8M | $1.1M | 0.81% | 4.12% | 0.93% | 17,860 |
| Q3 2024 | $143.1M | $125.8M | $103.9M | $16.8M | $887K | 0.83% | 4.07% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.74% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.5% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 17,668 |
| Q2 2024 | $145.0M | $128.0M | $104.5M | $16.6M | $697K | 0.96% | 3.94% | 0.92% | 17,344 |
Loan mix (Q2 2026): real estate $2.3M · commercial $1.4M · consumer $91.5M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 77.5% | 76th |
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.
7 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Okmulgee, OK, ranked 4th with 11.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Okmulgee, OK | 4 | $77.4M* | 11.15% | 4th |
| McIntosh, OK | 1 | $19.4M* | 4.49% | 7th |
| Pittsburg, OK | 1 | $19.4M* | 1.66% | 8th |
| 1 more county with Pro → | ||||
Oklahoma: 153rd with 0.08% · Tulsa metro: 56th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 7 · 2026 7