Velma Federal Credit Union
Total assets
$3.0M
▲ +0.9% YoY
Shares & deposits
$2.5M
▼ -0.3% YoY
Loans
$2.6M
▼ -4.3% YoY
Members
689
▼ -1.9% YoY
ROA (annualized)
1.64%
peers 0.60%
ROE (annualized)
10.99%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.3% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 1.64% | 0.60% | +1.0 pts |
| ROE | 11.0% | 4.1% | +6.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 186, Velma, OK, 73491
- NCUA charter #
- 8962
- RSSD ID
- 305086
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.5M | $2.6M | $449K | $12K | 1.64% | 6.81% | 2.04% | 689 |
| Q4 2025 | $2.9M | $2.5M | $2.7M | $436K | $24K | 0.83% | 6.11% | 0.20% | 705 |
| Q3 2025 | $3.0M | $2.6M | $2.8M | $463K | $51K | 2.23% | 6.26% | 1.00% | 708 |
| Q2 2025 | $3.1M | $2.6M | $2.7M | $440K | $28K | 1.85% | 5.97% | 1.67% | 702 |
| Q1 2025 | $3.0M | $2.5M | $2.7M | $421K | $9K | 1.19% | 5.17% | 2.16% | 702 |
| Q4 2024 | $3.0M | $2.6M | $2.7M | $412K | $22K | 0.75% | 5.19% | 1.53% | 696 |
| Q3 2024 | $3.0M | $2.6M | $2.8M | $417K | $27K | 1.21% | 5.49% | 1.28% | 693 |
| Q2 2024 | $3.0M | $2.5M | $2.8M | $403K | $13K | 0.89% | 5.12% | 3.39% | 701 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $438
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.81% | 3.83% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 81.5% | 39th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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