SOUTHWEST OKLAHOMA

Charter #12271 | OK

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

SOUTHWEST OKLAHOMA has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.2% in tier
  • + Wallet Share Momentum: Top 8.4% in tier
  • + Emerging Performer: Top 11.9% in tier
  • + ROA 1.02% above tier average
  • + Net Interest Margin 1.10% above tier average
  • + Net Worth Ratio: Top 5.4% in tier
  • + Average Member Relationship (AMR): Top 9.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.5% in tier
  • - Liquidity Overhang: Bottom 8.7% in tier
  • - Membership Headwinds: Bottom 19.7% in tier
  • - Delinquency rate 0.13% above tier average
  • - Total Members: Bottom 3.0% in tier
  • - Total Deposits: Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 4,912
-2.0% YoY-0.3% QoQ
 -10.7K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Bottom 2.9% in tier
Assets $116.6M
+5.2% YoY+0.3% QoQ
 $-114.7M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 Bottom 11.2% in tier
Loans $73.6M
+8.0% YoY+5.0% QoQ
 $-74.2M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 Bottom 18.0% in tier
Deposits $96.2M
+3.6% YoY-0.5% QoQ
 $-104.1M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 Bottom 7.7% in tier
ROA 1.8%
+14.8% YoY+1.2% QoQ
 +1.0% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Top 5.5% in tier
NIM 4.7%
+7.0% YoY+0.8% QoQ
 +1.1% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Top 5.8% in tier
Efficiency Ratio 64.1%
-6.4% YoY-1.6% QoQ
 -13.2% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 14.2% in tier
Delinquency Rate 1.0%
-11.7% YoY+29.1% QoQ
 +0.1 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 76.5%
+4.3% YoY+5.5% QoQ
 +3.8% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 55th in tier
AMR $34,554
+7.6% YoY+2.1% QoQ
 +$10K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Top 9.5% in tier
CD Concentration 11.9%
+4.7% YoY-2.3% QoQ
 -12.5% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 3.1%
-34.6% YoY-17.5% QoQ
 -10.8% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#34 of 1006 • Top 1.2% in tier

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

Why This Signature
AMR Growth (YoY): 7.60%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.8K
(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
#233 of 1006 • Top 8.4% in tier

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

Why This Signature
AMR Growth (YoY): 7.60%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#224 of 627 • Top 11.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.81%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.98%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk
#25 of 550 • Bottom 1.5% 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: 1.81%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.98%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 11.95%
(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 | Rank worsening

Liquidity Overhang

risk
#136 of 552 • Bottom 8.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.83%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.49%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Membership Headwinds

decline
#325 of 550 • Bottom 19.7% in tier

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

Why This Signature
Member Growth (YoY): -1.98%
(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 | Rank worsening

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 (9 metrics)

59
Return on Assets (ROA)
profitability
Value: 1.81%
Peer Avg: 0.79%
#59 of 1077 Top 5.4% in 100M-500M tier
59
Net Worth Ratio
risk
Value: 17.83%
Peer Avg: 12.15%
#59 of 1077 Top 5.4% in 100M-500M tier
62
Net Interest Margin (NIM)
profitability
Value: 4.68%
Peer Avg: 3.58%
#62 of 1077 Top 5.7% in 100M-500M tier
102
Average Member Relationship (AMR)
engagement
Value: $34,554
Peer Avg: $24,363
#102 of 1077 Top 9.4% in 100M-500M tier
107
Loan-to-Member Ratio (LMR)
engagement
Value: $14,976
Peer Avg: $10,245
#107 of 1077 Top 9.8% in 100M-500M tier
154
Efficiency Ratio
profitability
Value: 64.12%
Peer Avg: 77.28%
#154 of 1077 Top 14.2% in 100M-500M tier
157
Share Certificate Concentration (%)
balance_sheet
Value: 11.95%
Peer Avg: 23.61%
#157 of 1077 Top 14.5% in 100M-500M tier
180
AMR Growth Rate
growth
Value: 7.60%
Peer Avg: 3.64%
#180 of 1077 Top 16.6% in 100M-500M tier
242
Loan Growth Rate
growth
Value: 8.03%
Peer Avg: 3.45%
#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1046
Total Members
engagement
Value: 4,912
Peer Avg: 15,628
#1046 of 1077 Bottom 3.0% in 100M-500M tier
994
Total Deposits
balance_sheet
Value: $96.17M
Peer Avg: $200.29M
#994 of 1077 Bottom 7.8% in 100M-500M tier
956
Total Assets
balance_sheet
Value: $116.57M
Peer Avg: $231.30M
#956 of 1077 Bottom 11.3% in 100M-500M tier
883
Total Loans
balance_sheet
Value: $73.56M
Peer Avg: $147.80M
#883 of 1077 Bottom 18.1% in 100M-500M tier