THE FOCUS
Charter #10283 | OK
100M-500M
(1077 CUs)
Micro
($0-$500M)
17 100M-500M in OK
THE FOCUS has 3 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 29.8% in tier
- + Net Interest Margin 0.38% above tier average
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.8% in tier
- - Deposit Outflow: Bottom 5.3% in tier
- - Liquidity Strain: Bottom 14.9% in tier
- - Indirect Auto Dependency: Bottom 16.0% in tier
- - Growth-at-Risk: Bottom 21.2% in tier
- - Credit Quality Pressure: Bottom 24.1% in tier
- - Membership Headwinds: Bottom 31.7% in tier
- - Stagnation Risk: Bottom 32.9% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 10.27% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 2.2% in tier
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
- - Net Worth Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,515
-0.7% YoY+0.3% QoQ
|
-3.1K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
45th in tier |
| Assets |
$166.8M
-0.7% YoY+2.4% QoQ
|
$-64.5M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$135.2M
+7.2% YoY+4.0% QoQ
|
$-12.6M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
55th in tier |
| Deposits |
$143.2M
-6.9% YoY-1.7% QoQ
|
$-57.1M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
0.1%
-17.4% YoY-42.0% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.3% in tier |
| NIM |
4.0%
+17.6% YoY-0.4% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
87.6%
-2.3% YoY-1.9% QoQ
|
+10.3% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 15.7% in tier |
| Delinquency Rate |
0.3%
+21.7% YoY+1.9% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 17.7% in tier |
| Loan To Share |
94.4%
+15.1% YoY+5.8% QoQ
|
+21.7% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 8.4% in tier |
| AMR |
$22,241
+0.1% YoY+0.7% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
49th in tier |
| CD Concentration |
24.5%
-19.8% YoY+9.3% QoQ
|
+0.1% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
43.3%
+14.0% YoY+5.2% QoQ
|
+29.4% |
14.0%
-5.8% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#559 of 627 • Top 29.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.05%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.68%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Concerns (8)
Efficiency Drag
risk
#16 of 521 • Bottom 0.8% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
87.55%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.01% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-0.68%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Deposit Outflow
decline
#32 of 114 • Bottom 5.3% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-6.89%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$166.76M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Liquidity Strain
risk
#116 of 258 • Bottom 14.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.43%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
7.18%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#258 of 525 • Bottom 16.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-0.72%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
43.33%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-0.68%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#319 of 446 • Bottom 21.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
7.18%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.05% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#598 of 736 • Bottom 24.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.05% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Membership Headwinds
decline
#523 of 550 • Bottom 31.7% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.68%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Stagnation Risk
risk
#542 of 550 • Bottom 32.9% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.05%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.68%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$22.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
24.46%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (2 metrics)
91
Loan-to-Share Ratio
balance_sheet
Value:
94.43%
Peer Avg: 72.70%
#91 of 1077
Top 8.4% in 100M-500M tier
192
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Avg: 0.86%
#192 of 1077
Top 17.7% in 100M-500M tier
Top Weaknesses (8 metrics)
1054
Deposit Growth Rate
growth
Value:
-6.89%
Peer Avg: 4.69%
#1054 of 1077
Bottom 2.2% in 100M-500M tier
1004
Indirect Auto Concentration (%)
balance_sheet
Value:
43.33%
Peer Avg: 13.34%
#1004 of 1077
Bottom 6.9% in 100M-500M tier
988
Return on Assets (ROA)
profitability
Value:
0.05%
Peer Avg: 0.79%
#988 of 1077
Bottom 8.4% in 100M-500M tier
974
Net Worth Ratio
risk
Value:
8.72%
Peer Avg: 12.15%
#974 of 1077
Bottom 9.7% in 100M-500M tier
917
Asset Growth Rate
growth
Value:
-0.72%
Peer Avg: 4.70%
#917 of 1077
Bottom 14.9% in 100M-500M tier
909
Efficiency Ratio
profitability
Value:
87.55%
Peer Avg: 77.28%
#909 of 1077
Bottom 15.7% in 100M-500M tier
861
Members Per Employee (MPE)
engagement
Value:
255.408
Peer Avg: 332.881
#861 of 1077
Bottom 20.1% in 100M-500M tier
835
AMR Growth Rate
growth
Value:
0.13%
Peer Avg: 3.64%
#835 of 1077
Bottom 22.6% in 100M-500M tier