Ok Federal Credit Union
Total assets
$26.9M
▲ +3.3% YoY
Shares & deposits
$22.7M
▲ +2.5% YoY
Loans
$17.0M
▼ -5.6% YoY
Members
3,532
▲ +0.9% YoY
ROA (annualized)
0.60%
peers 0.60%
ROE (annualized)
3.96%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 3900 Se Adams Rd, Bartlesville, OK, 74006
- NCUA charter #
- 10158
- RSSD ID
- 719786
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 3,500 |
| Q2 2024 | $26.4M | $22.7M | $18.6M | $3.6M | $153K | 1.16% | 3.48% | 0.31% | 3,507 |
Loan mix (Q1 2026): real estate $279K · commercial $0 · consumer $14.0M · securities $2.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Ok Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 81.5% | 34th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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