FORT SILL

Charter #10832 | OK

100M-500M (1077 CUs) Micro
17 100M-500M in OK

FORT SILL has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 21.4% in tier
  • + Wallet Share Momentum: Top 35.3% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.70% above tier average
  • + Share Certificate Concentration (%): Top 6.5% in tier
  • + First Mortgage Concentration (%): Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.0% in tier
  • - Institutional Decline: Bottom 5.7% in tier
  • - Stagnation Risk: Bottom 9.8% in tier
  • - Membership Headwinds: Bottom 15.1% in tier
  • - Delinquency rate 1.10% above tier average
  • - Member decline: -2.8% YoY
  • - Net Charge-Off Rate: Bottom 1.2% in tier
  • - Indirect Auto Concentration (%): Bottom 2.3% in tier
  • - Loan Growth Rate: Bottom 3.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 23,106
-2.8% YoY-0.5% QoQ
 +7.5K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Top 16.6% in tier
Assets $384.7M
+3.7% YoY-0.1% QoQ
 +$153.4M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 Top 13.1% in tier
Loans $173.3M
-10.1% YoY-2.2% QoQ
 +$25.5M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $344.8M
+2.7% YoY-0.6% QoQ
 +$144.5M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 Top 10.9% in tier
ROA 0.8%
-326.2% YoY+1.5% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 4.3%
+2.6% YoY+1.2% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Top 14.5% in tier
Efficiency Ratio 68.4%
-2.1% YoY+0.5% QoQ
 -8.9% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 22.1% in tier
Delinquency Rate 2.0%
-0.6% YoY-3.8% QoQ
 +1.1 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Top 7.2% in tier
Loan To Share 50.3%
-12.4% YoY-1.6% QoQ
 -22.4% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 11.0% in tier
AMR $22,422
+0.8% YoY-0.6% QoQ
 $-2K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 7.0%
+8.0% YoY+2.8% QoQ
 -17.4% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 59.9%
-5.0% YoY-3.5% QoQ
 +45.9% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#591 of 1006 • Top 21.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.85%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#973 of 1006 • Top 35.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.85%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#34 of 525 • Bottom 2.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.67%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 59.91%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline
#46 of 256 • Bottom 5.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $384.75M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -10.06%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#162 of 550 • Bottom 9.8% 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: 0.80%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 6.98%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#249 of 550 • Bottom 15.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

71
Share Certificate Concentration (%)
balance_sheet
Value: 6.98%
Peer Avg: 23.61%
#71 of 1077 Top 6.5% in 100M-500M tier
80
First Mortgage Concentration (%)
balance_sheet
Value: 6.07%
Peer Avg: 30.43%
#80 of 1077 Top 7.3% in 100M-500M tier
117
Total Deposits
balance_sheet
Value: $344.77M
Peer Avg: $200.29M
#117 of 1077 Top 10.8% in 100M-500M tier
141
Total Assets
balance_sheet
Value: $384.75M
Peer Avg: $231.30M
#141 of 1077 Top 13.0% in 100M-500M tier
156
Net Interest Margin (NIM)
profitability
Value: 4.29%
Peer Avg: 3.58%
#156 of 1077 Top 14.4% in 100M-500M tier
173
Fee Income Per Member
profitability
Value: $238.86
Peer Avg: $174.31
#173 of 1077 Top 16.0% in 100M-500M tier
179
Total Members
engagement
Value: 23,106
Peer Avg: 15,628
#179 of 1077 Top 16.5% in 100M-500M tier
239
Efficiency Ratio
profitability
Value: 68.40%
Peer Avg: 77.28%
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1065
Net Charge-Off Rate
risk
Value: 2.07%
Peer Avg: 0.47%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1053
Indirect Auto Concentration (%)
balance_sheet
Value: 59.91%
Peer Avg: 13.34%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1039
Loan Growth Rate
growth
Value: -10.06%
Peer Avg: 3.45%
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1000
Total Delinquency Rate (60+ days)
risk
Value: 1.96%
Peer Avg: 0.86%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
958
Loan-to-Share Ratio
balance_sheet
Value: 50.27%
Peer Avg: 72.70%
#958 of 1077 Bottom 11.1% in 100M-500M tier
865
Member Growth Rate
growth
Value: -2.76%
Peer Avg: 0.72%
#865 of 1077 Bottom 19.8% in 100M-500M tier
853
Members Per Employee (MPE)
engagement
Value: 256.733
Peer Avg: 332.881
#853 of 1077 Bottom 20.9% in 100M-500M tier