Ok Members First Federal Credit Union
Total assets
$24.7M
▼ -8.1% YoY
Shares & deposits
$20.6M
▼ -9.8% YoY
Loans
$17.9M
▲ +4.5% YoY
Members
3,287
▼ -2.5% YoY
ROA (annualized)
0.36%
peers 0.60%
ROE (annualized)
2.43%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.4 pts |
| Share growth (YoY) | -9.8% | +0.7% | -10.4 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 10832 E 31St St, Tulsa, OK, 74146
- NCUA charter #
- 7154
- RSSD ID
- 598785
- 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 | $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% | 3,409 |
| Q2 2024 | $27.2M | $23.3M | $19.0M | $3.5M | $47K | 0.35% | 3.87% | 0.89% | 3,423 |
Loan mix (Q1 2026): real estate $3.1M · commercial $0 · consumer $13.5M · securities $4.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 81.5% | 62th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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