| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -3.2% | -2.6% | -0.6 pts |
| ROA | 2.08% | 0.65% | +1.4 pts |
| ROE | 13.7% | 4.4% | +9.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.1M | $2.6M | $2.6M | $469K | $32K | 2.08% | 6.54% | 1.55% | 689 |
| 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 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.0M |
| $2.5M |
| $2.8M |
| $403K |
| $13K |
| 0.89% |
| 5.12% |
| 3.39% |
| 701 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 80.6% | 25th |
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: Stephens, OK, ranked 13th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stephens, OK | 1 | $2.6M* | 0.17% | 13th |
Oklahoma: 251st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1