| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +1.3% | +13.4 pts |
| Share growth (YoY) | +17.1% | +0.9% | +16.2 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.1 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 8.9% | 4.4% | +4.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $1.0M | $556K | $64K | $3K | 0.52% | 4.03% | 0.59% | 402 |
| Q1 2026 | $1.1M | $1.1M | $490K | $69K | $2K | 0.55% | 2.57% | 6.31% | 394 |
| Q4 2025 | $1.0M | $959K | $442K | $67K | $89 | 0.01% | 2.49% | 7.36% | 387 |
| Q3 2025 | $1.0M | $934K | $502K | $72K | $5K | 0.71% | 2.95% | 3.70% | 403 |
| Q2 2025 | $971K | $896K | $558K | $75K | $8K | 1.65% | 3.60% | 5.05% | 402 |
| Q1 2025 | $1.0M | $934K | $495K | $71K | $4K | 1.47% | 3.32% | 3.71% | 405 |
| Q4 2024 | $983K | $916K | $453K | $67K | $94 | 0.01% | 2.60% | 2.54% | 410 |
| Q3 2024 | $969K | $896K | $458K | $73K | $6K | 0.78% | 3.09% | 0.53% | 409 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $927K |
| $858K |
| $438K |
| $68K |
| $2K |
| 0.33% |
| 2.86% |
| 1.93% |
| 408 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $488K · securities $229K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 80.6% | 6th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Tulsa, OK, ranked 71st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 2 | $1.0M* | 0.00% | 71st |
Oklahoma: 252nd with 0.00% · Tulsa metro: 79th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2