| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.1% | -3.9 pts |
| Share growth (YoY) | -2.6% | +3.5% | -6.2 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.6 pts |
| ROA | 2.00% | 0.74% | +1.3 pts |
| ROE | 10.3% | 6.5% | +3.9 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.4M | $94.1M | $74.6M | $22.5M | $1.2M | 2.00% | 4.85% | 0.88% | 4,818 |
| Q1 2026 | $117.3M | $96.0M | $75.2M | $21.9M | $539K | 1.84% | 4.76% | 0.63% | 4,851 |
| Q4 2025 | $116.2M | $95.5M | $74.7M | $21.3M | $2.1M | 1.83% | 4.70% | 0.77% | 4,884 |
| Q3 2025 | $116.6M | $96.2M | $73.6M | $20.8M | $1.6M | 1.81% | 4.67% | 0.99% | 4,912 |
| Q2 2025 | $116.2M | $96.6M | $70.1M | $20.2M | $1.0M | 1.77% | 4.60% | 0.76% | 4,926 |
| Q1 2025 | $114.1M | $95.2M | $68.3M | $19.7M | $473K | 1.66% | 4.53% | 1.05% | 4,947 |
| Q4 2024 | $113.2M | $95.3M | $71.3M | $19.2M | $1.7M | 1.51% | 4.35% | 1.18% | 4,978 |
| Q3 2024 | $110.8M | $92.8M | $68.1M | $18.8M | $1.3M | 1.57% | 4.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.74% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.5% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 5,011 |
| Q2 2024 | $109.8M | $92.7M | $71.4M | $18.3M | $834K | 1.52% | 4.27% | 0.43% | 5,069 |
Loan mix (Q2 2026): real estate $16.2M · commercial $356K · consumer $54.9M · securities $25.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 77.5% | 9th |
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: Comanche, OK, ranked 9th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Comanche, OK | 1 | $94.1M* | 2.87% | 9th |
Oklahoma: 174th with 0.06% · Lawton metro: 9th, 2.80% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1