| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.9% | +2.7 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | -2.1% | +2.9% | -5.0 pts |
| ROA | 1.90% | 0.69% | +1.2 pts |
| ROE | 15.7% | 5.9% | +9.8 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $111.7M | $99.3M | $37.4M | $13.5M | $531K | 1.90% | 3.77% | 0.23% | 8,191 |
| Q4 2025 | $109.5M | $97.7M | $38.2M | $13.0M | $2.0M | 1.81% | 3.80% | 0.37% | 8,247 |
| Q3 2025 | $106.5M | $95.0M | $38.6M | $12.5M | $1.5M | 1.85% | 3.88% | 0.31% | 8,305 |
| Q2 2025 | $106.0M | $95.1M | $38.6M | $12.0M | $957K | 1.81% | 3.82% | 0.34% | 8,339 |
| Q1 2025 | $104.8M | $94.5M | $38.2M | $11.5M | $471K | 1.80% | 3.74% | 0.29% | 8,331 |
| Q4 2024 | $103.4M | $93.7M | $38.8M | $11.0M | $1.6M | 1.57% | 3.51% | 0.29% | 8,302 |
| Q3 2024 | $100.9M | $91.5M | $37.5M | $10.5M | $1.1M | 1.44% | 3.51% | 0.37% | 8,295 |
| Q2 2024 | $100.8M | $91.9M | $36.8M | $10.1M | $701K | 1.39% | 3.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 8,385 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $30.6M · securities $54.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 78.7% | 9th |
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: Muskogee, OK, ranked 9th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muskogee, OK | 2 | $63.4M* | 3.89% | 9th |
| Cherokee, OK | 1 | $31.7M* | 3.08% | 7th |
Oklahoma: 171st with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3