| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.8% | -9.1 pts |
| Share growth (YoY) | -5.1% | +4.3% | -9.4 pts |
| Loan growth (YoY) | -2.5% | +4.3% | -6.8 pts |
| ROA | -0.04% | 0.62% | -0.7 pts |
| ROE | -0.6% | 5.9% | -6.5 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $797.0M | $735.3M | $529.5M | $48.5M | $-72K | -0.04% | 2.83% | 0.74% | 63,740 |
| Q4 2025 | $799.2M | $737.9M | $547.6M | $48.6M | $176K | 0.02% | 3.06% | 0.91% | 62,138 |
| Q3 2025 | $819.0M | $757.1M | $558.7M | $47.9M | $-785K | -0.13% | 2.93% | 0.79% | 64,892 |
| Q2 2025 | $822.4M | $763.0M | $563.3M | $48.3M | $-473K | -0.12% | 2.86% | 0.82% | 64,492 |
| Q1 2025 | $832.7M | $774.6M | $543.0M | $48.7M | $-29K | -0.01% | 2.77% | 1.24% | 64,454 |
| Q4 2024 | $813.0M | $754.7M | $564.1M | $51.4M | $-10.1M | -1.24% | 2.84% | 1.33% | 64,184 |
| Q3 2024 | $829.5M | $725.7M | $583.7M | $53.2M | $-8.6M | -1.39% | 2.78% | 1.08% | 64,098 |
| Q2 2024 | $850.8M | $741.5M | $601.5M | $55.5M | $-6.3M | -1.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.62% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.85% |
| 1.26% |
| 63,002 |
Loan mix (Q1 2026): real estate $240.0M · commercial $7.1M · consumer $238.5M · securities $102.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 78.3% | 82nd |
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.
14 branches in 5 counties across 1 state (+0 vs 2024). Biggest market: Oklahoma, OK, ranked 25th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 7 | $381.5M* | 0.76% | 25th |
| Canadian, OK | 2 | $109.0M* | 3.13% | 13th |
| Cleveland, OK | 2 | $109.0M* | 1.40% | 15th |
| 2 more counties with Pro → | ||||
Oklahoma: 40th with 0.48% · Oklahoma City metro: 15th, 1.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 15 · 2024 14 · 2025 14