Western Sun Federal Credit Union
Total assets
$185.7M
▼ -3.8% YoY
Shares & deposits
$152.5M
▼ -4.6% YoY
Loans
$140.1M
▼ -1.2% YoY
Members
25,703
▲ +2.1% YoY
ROA (annualized)
-0.06%
peers 0.69%
ROE (annualized)
-0.37%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +3.9% | -7.8 pts |
| Share growth (YoY) | -4.6% | +3.3% | -7.9 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.1 pts |
| ROA | -0.06% | 0.69% | -0.8 pts |
| ROE | -0.4% | 5.9% | -6.3 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4620 W Kenosha, Broken Arrow, OK, 74012
- NCUA charter #
- 4202
- RSSD ID
- 346173
- 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 | $185.7M | $152.5M | $140.1M | $31.8M | $-30K | -0.06% | 4.74% | 0.62% | 25,703 |
| Q4 2025 | $182.1M | $148.7M | $141.6M | $31.8M | $-166K | -0.09% | 4.79% | 0.64% | 25,642 |
| Q3 2025 | $187.5M | $153.9M | $141.6M | $32.0M | $-219K | -0.16% | 4.61% | 0.84% | 25,573 |
| Q2 2025 | $189.7M | $156.3M | $141.5M | $32.1M | $-153K | -0.16% | 4.50% | 0.71% | 25,294 |
| Q1 2025 | $193.1M | $159.8M | $141.7M | $32.1M | $-135K | -0.28% | 4.34% | 0.72% | 25,184 |
| Q4 2024 | $189.8M | $156.2M | $145.1M | $31.8M | $992K | 0.52% | 4.41% | 1.04% | 25,101 |
| Q3 2024 | $186.6M | $153.2M | $146.7M | $32.1M | $532K | 0.38% | 4.46% | 0.85% | 25,338 |
| Q2 2024 | $186.3M | $152.9M | $147.6M | $31.9M | $318K | 0.34% | 4.40% | 0.73% | 25,205 |
Loan mix (Q1 2026): real estate $11.9M · commercial $235K · consumer $103.2M · securities $21.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.62% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 78.7% | 91th | |
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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