| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.1% | +0.9% | +2.1 pts |
| Loan growth (YoY) | -0.7% | -2.6% | +2.0 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 11.3% | 4.4% | +6.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.7M | $77.8M | $63.8M | $6.4M | $363K | 0.88% | 4.70% | 1.08% | 14,308 |
| Q1 2026 | $80.5M | $75.8M | $64.4M | $6.3M | $203K | 1.01% | 4.79% | 0.73% | 14,151 |
| Q4 2025 | $79.9M | $74.4M | $62.3M | $6.1M | $180K | 0.23% | 4.69% | 0.41% | 14,043 |
| Q3 2025 | $78.3M | $73.2M | $63.9M | $6.1M | $153K | 0.26% | 4.73% | 0.51% | 13,900 |
| Q2 2025 | $80.1M | $75.5M | $64.2M | $6.0M | $53K | 0.13% | 4.50% | 1.13% | 13,618 |
| Q1 2025 | $80.0M | $75.4M | $59.5M | $6.1M | $83K | 0.41% | 4.40% | 0.65% | 13,244 |
| Q4 2024 | $78.9M | $73.6M | $61.6M | $6.0M | $78K | 0.10% | 4.21% | 0.69% | 13,325 |
| Q3 2024 | $78.0M | $73.0M | $60.8M | $6.1M | $102K | 0.18% | 4.19% | 0.81% |
| Ratio | Ou Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 13,227 |
| Q2 2024 | $78.7M | $74.3M | $60.3M | $6.1M | $50K | 0.13% | 4.08% | 0.28% | 13,001 |
Loan mix (Q2 2026): real estate $23.5M · commercial $0 · consumer $39.7M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 80.6% | 29th |
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 | Ou 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% |
| Ratio | Ou Federal Credit Union | 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 | Ou 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% |
| Ratio | Ou 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% |
| Ratio | Ou 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cleveland, OK, ranked 19th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cleveland, OK | 2 | $77.8M* | 0.96% | 19th |
Oklahoma: 185th with 0.05% · Oklahoma City metro: 71st, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2