| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.1% | -4.4 pts |
| Share growth (YoY) | +0.2% | +3.5% | -3.4 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.2 pts |
| ROA | 0.71% | 0.74% | -0.0 pts |
| ROE | 5.8% | 6.5% | -0.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $214.7M | $175.6M | $165.0M | $26.5M | $764K | 0.71% | 3.36% | 0.48% | 12,836 |
| Q1 2026 | $218.0M | $178.6M | $160.7M | $26.0M | $300K | 0.55% | 3.22% | 0.49% | 12,861 |
| Q4 2025 | $214.0M | $175.0M | $158.0M | $25.7M | $1.7M | 0.78% | 3.11% | 0.25% | 12,840 |
| Q3 2025 | $214.9M | $175.5M | $170.2M | $25.2M | $1.1M | 0.69% | 3.03% | 0.30% | 12,905 |
| Q2 2025 | $215.3M | $175.3M | $170.7M | $24.6M | $572K | 0.53% | 2.88% | 0.31% | 12,958 |
| Q1 2025 | $212.6M | $173.0M | $163.6M | $24.2M | $183K | 0.35% | 2.72% | 0.09% | 12,905 |
| Q4 2024 | $212.1M | $166.5M | $157.3M | $24.1M | $972K | 0.46% | 2.56% | 0.47% | 12,863 |
| Q3 2024 | $211.8M | $165.8M | $156.2M | $23.8M | $705K | 0.44% | 2.53% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.74% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.5% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 13,010 |
| Q2 2024 | $211.0M | $163.8M | $163.4M | $23.7M | $512K | 0.49% | 2.57% | 0.52% | 13,167 |
Loan mix (Q2 2026): real estate $72.8M · commercial $6.2M · consumer $83.1M · securities $19.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 77.5% | 32nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Payne, OK, ranked 5th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Payne, OK | 2 | $175.6M* | 6.81% | 5th |
Oklahoma: 126th with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2