| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.9% | +0.9% | +3.0 pts |
| Loan growth (YoY) | -0.4% | -2.6% | +2.2 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.4M | $22.1M | $17.5M | $4.2M | $155K | 1.17% | 3.76% | 0.60% | 3,557 |
| Q1 2026 | $26.9M | $22.7M | $17.0M | $4.1M | $40K | 0.60% | 3.67% | 0.66% | 3,532 |
| Q4 2025 | $25.2M | $21.1M | $17.3M | $4.0M | $307K | 1.21% | 4.02% | 0.37% | 3,503 |
| Q3 2025 | $25.3M | $21.2M | $17.5M | $3.9M | $213K | 1.12% | 3.99% | 0.36% | 3,522 |
| Q2 2025 | $25.3M | $21.3M | $17.6M | $3.9M | $145K | 1.15% | 3.98% | 0.66% | 3,505 |
| Q1 2025 | $26.1M | $22.1M | $18.0M | $3.8M | $61K | 0.93% | 3.86% | 0.52% | 3,502 |
| Q4 2024 | $25.3M | $21.5M | $18.6M | $3.7M | $329K | 1.30% | 3.76% | 0.34% | 3,503 |
| Q3 2024 | $25.8M | $22.0M | $18.6M | $3.6M | $234K | 1.21% | 3.63% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ok Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,500 |
| Q2 2024 | $26.4M | $22.7M | $18.6M | $3.6M | $153K | 1.16% | 3.48% | 0.31% | 3,507 |
Loan mix (Q2 2026): real estate $262K · commercial $0 · consumer $14.4M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 80.6% | 24th |
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 | Ok Federal Credit Union | 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 | Ok Federal Credit Union | 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 | Ok Federal Credit Union | 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 | Ok Federal Credit Union | 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 | Ok Federal Credit Union | 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: Washington, OK, ranked 10th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, OK | 1 | $22.1M* | 1.75% | 10th |
Oklahoma: 230th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1