| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.2 pts |
| ROA | 1.11% | 0.65% | +0.5 pts |
| ROE | 8.9% | 4.4% | +4.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.7M | $49.9M | $22.5M | $7.0M | $314K | 1.11% | 3.08% | 0.50% | 3,292 |
| Q1 2026 | $56.5M | $49.9M | $23.0M | $6.9M | $166K | 1.17% | 3.09% | 0.48% | 3,301 |
| Q4 2025 | $56.0M | $49.6M | $23.6M | $6.7M | $617K | 1.10% | 2.82% | 0.63% | 3,321 |
| Q3 2025 | $55.7M | $49.4M | $24.1M | $6.6M | $482K | 1.15% | 2.82% | 0.31% | 3,168 |
| Q2 2025 | $55.6M | $49.5M | $25.0M | $6.5M | $367K | 1.32% | 2.92% | 0.02% | 3,185 |
| Q1 2025 | $56.4M | $50.0M | $25.0M | $6.3M | $172K | 1.22% | 2.81% | 0.00% | 3,309 |
| Q4 2024 | $53.1M | $47.3M | $25.8M | $6.1M | $348K | 0.66% | 2.63% | 0.01% | 3,390 |
| Q3 2024 | $52.1M | $46.3M | $26.5M | $6.1M | $343K | 0.88% | 2.66% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,166 |
| Q2 2024 | $52.3M | $46.5M | $27.7M | $6.0M | $202K | 0.77% | 2.52% | 0.88% | 3,421 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $14.2M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 80.6% | 17th |
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 55th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 1 | $49.9M* | 0.13% | 55th |
Oklahoma: 204th with 0.03% · Tulsa metro: 63rd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1