| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -11.9% | -2.4% | -9.6 pts |
| ROA | 1.94% | 0.60% | +1.3 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $7.7M | $5.9M | $4.7M | $61K | 1.94% | 4.62% | 4.30% | 1,337 |
| Q4 2025 | $12.4M | $7.7M | $6.2M | $4.5M | $171K | 1.38% | 4.68% | 2.56% | 1,350 |
| Q3 2025 | $12.4M | $7.8M | $6.4M | $4.6M | $-30K | -0.32% | 4.65% | 2.79% | 1,361 |
| Q2 2025 | $12.6M | $8.0M | $6.6M | $4.6M | $66K | 1.04% | 4.55% | 2.56% | 1,374 |
| Q1 2025 | $12.5M | $8.0M | $6.7M | $4.5M | $25K | 0.81% | 4.50% | 2.34% | 1,378 |
| Q4 2024 | $12.5M | $8.0M | $6.9M | $4.3M | $246K | 1.97% | 5.17% | 2.32% | 1,367 |
| Q3 2024 | $12.4M | $7.9M | $7.0M | $4.4M | $281K | 3.02% | 5.34% | 1.34% | 1,386 |
| Q2 2024 | $12.8M | $8.4M | $6.9M | $4.3M | $86K | 1.35% | 4.64% | 0.68% | 1,375 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.60% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 81.5% | 11th |
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 2024). Biggest market: Pittsburg, OK, ranked 9th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pittsburg, OK | 1 | $8.0M* | 0.71% | 9th |
Oklahoma: 248th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1