| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +1.3% | -9.7 pts |
| Share growth (YoY) | -9.1% | +0.9% | -10.1 pts |
| Loan growth (YoY) | +12.4% | -2.6% | +15.1 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.4M | $20.7M | $18.3M | $3.6M | $41K | 0.33% | 4.78% | 0.72% | 3,263 |
| Q1 2026 | $24.7M | $20.6M | $17.9M | $3.6M | $22K | 0.36% | 4.17% | 0.73% | 3,287 |
| Q4 2025 | $24.5M | $20.6M | $16.0M | $3.6M | $75K | 0.31% | 3.99% | 1.11% | 3,261 |
| Q3 2025 | $25.7M | $21.7M | $16.1M | $3.6M | $60K | 0.31% | 3.75% | 0.67% | 3,294 |
| Q2 2025 | $26.7M | $22.7M | $16.3M | $3.6M | $42K | 0.31% | 3.56% | 0.63% | 3,321 |
| Q1 2025 | $26.9M | $22.9M | $17.1M | $3.5M | $21K | 0.32% | 3.55% | 0.60% | 3,370 |
| Q4 2024 | $27.1M | $22.8M | $17.7M | $3.5M | $88K | 0.32% | 3.85% | 0.68% | 3,397 |
| Q3 2024 | $27.6M | $23.7M | $18.2M | $3.5M | $70K | 0.34% | 3.81% | 0.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,409 |
| Q2 2024 | $27.2M | $23.3M | $19.0M | $3.5M | $47K | 0.35% | 3.87% | 0.89% | 3,423 |
Loan mix (Q2 2026): real estate $3.1M · commercial $0 · consumer $13.9M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 80.6% | 72nd |
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 2025). Biggest market: Tulsa, OK, ranked 62nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulsa, OK | 1 | $20.7M* | 0.05% | 62nd |
Oklahoma: 235th with 0.01% · Tulsa metro: 70th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1