| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +4.9% | +0.9% | +3.9 pts |
| Loan growth (YoY) | -13.3% | -2.6% | -10.7 pts |
| ROA | -3.74% | 0.65% | -4.4 pts |
| ROE | -40.7% | 4.4% | -45.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.5M | $3.1M | $1.9M | $317K | $-65K | -3.74% | 6.25% | 4.55% | 714 |
| Q1 2026 | $3.5M | $3.1M | $2.0M | $338K | $-44K | -5.08% | 6.31% | 3.76% | 730 |
| Q4 2025 | $3.5M | $3.1M | $2.1M | $382K | $-16K | -0.47% | 7.14% | 4.10% | 720 |
| Q3 2025 | $3.5M | $3.0M | $2.2M | $399K | $851 | 0.03% | 7.32% | 4.80% | 713 |
| Q2 2025 | $3.4M | $3.0M | $2.2M | $399K | $708 | 0.04% | 7.52% | 5.75% | 706 |
| Q1 2025 | $3.5M | $3.1M | $2.4M | $398K | $-126 | -0.01% | 7.50% | 5.49% | 698 |
| Q4 2024 | $3.4M | $3.0M | $2.5M | $398K | $29K | 0.84% | 7.84% | 3.11% | 688 |
| Q3 2024 | $3.5M | $3.1M | $2.5M | $395K | $25K | 0.97% | 7.81% | 2.72% | 672 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.74% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -40.7% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.3M | $2.9M | $2.5M | $381K | $12K | 0.71% | 8.05% | 3.55% | 655 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.0% | 80.6% | 93rd |
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: Noble, OK, ranked 4th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Noble, OK | 1 | $3.1M* | 0.74% | 4th |
Oklahoma: 250th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1