| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +1.3% | +9.8 pts |
| Share growth (YoY) | +13.8% | +0.7% | +13.1 pts |
| Loan growth (YoY) | +29.8% | -2.4% | +32.2 pts |
| ROA | -6.47% | 0.60% | -7.1 pts |
| ROE | -77.2% | 4.1% | -81.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.9M | $3.5M | $2.8M | $324K | $-63K | -6.47% | 4.37% | 0.16% | 493 |
| Q4 2025 | $3.8M | $3.4M | $2.9M | $387K | $-18K | -0.48% | 4.24% | 0.09% | 478 |
| Q3 2025 | $3.9M | $3.4M | $2.7M | $468K | $63K | 2.13% | 3.93% | 0.23% | 468 |
| Q2 2025 | $4.2M | $3.7M | $2.9M | $436K | $31K | 1.47% | 3.34% | 2.34% | 448 |
| Q1 2025 | $3.5M | $3.1M | $2.2M | $368K | $-37K | -4.24% | 3.74% | 2.98% | 426 |
| Q4 2024 | $3.4M | $3.0M | $2.1M | $405K | $108K | 3.16% | 3.97% | 3.20% | 415 |
| Q3 2024 | $2.9M | $2.6M | $1.9M | $286K | $-12K | -0.53% | 4.55% | 3.40% | 401 |
| Q2 2024 | $2.8M | $2.6M | $1.9M | $264K | $-34K | -2.39% | 4.80% | 0.10% | 379 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.47% | 0.60% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -77.2% | 4.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $1.4M · securities $437
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 209.1% | 81.5% | 99th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: McClain, OK, ranked 11th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McClain, OK | 2 | $2.5M* | 0.26% | 11th |
| Oklahoma, OK | 1 | $1.2M* | 0.00% | 80th |
Oklahoma: 250th with 0.00% · Oklahoma City metro: 91st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3