INTEGRIS
Charter #17218 | OK
<100M
(2596 CUs)
Micro
($0-$500M)
27 <100M in OK
INTEGRIS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.64% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 7.64% above tier (higher cost structure)
- - Member decline: -5.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,679
-5.4% YoY-0.9% QoQ
|
-946 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
44th in tier |
| Assets |
$14.3M
+1.3% YoY-0.9% QoQ
|
$-15.6M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
40th in tier |
| Loans |
$4.3M
-11.4% YoY-1.2% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$12.5M
+1.6% YoY-0.9% QoQ
|
$-12.9M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
0.6%
-23.7% YoY+67.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
4.6%
-0.4% YoY+10.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 24.8% in tier |
| Efficiency Ratio |
89.0%
+2.2% YoY-3.2% QoQ
|
+7.6% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
75th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
34.6%
-12.8% YoY-0.3% QoQ
|
-26.7% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.6% in tier |
| AMR |
$10,035
+3.5% YoY-0.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration |
7.1%
+2.5% YoY-10.2% QoQ
|
-17.3% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
644
Net Interest Margin (NIM)
profitability
Value:
4.57%
Peer Avg: 3.93%
#644 of 2596
Top 24.8% in <100M tier
Top Weaknesses (5 metrics)
2239
Loan-to-Share Ratio
balance_sheet
Value:
34.58%
Peer Avg: 61.23%
#2239 of 2596
Bottom 13.8% in <100M tier
2199
Member Growth Rate
growth
Value:
-5.41%
Peer Avg: 14.92%
#2199 of 2596
Bottom 15.3% in <100M tier
2139
Loan Growth Rate
growth
Value:
-11.41%
Peer Avg: 59.01%
#2139 of 2596
Bottom 17.6% in <100M tier
2108
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,578
Peer Avg: $5,488
#2108 of 2596
Bottom 18.8% in <100M tier
1983
Members Per Employee (MPE)
engagement
Value:
239.857
Peer Avg: 365.701
#1983 of 2596
Bottom 23.7% in <100M tier