DFCU TULSA
Charter #19355 | OK
<100M
(2596 CUs)
Micro
($0-$500M)
27 <100M in OK
DFCU TULSA has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.0% in tier
- + Total Members: Top 3.7% in tier
- + Total Loans: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Share Certificate Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,012
-3.1% YoY-0.2% QoQ
|
+5.4K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 3.7% in tier |
| Assets |
$61.2M
+4.1% YoY+0.3% QoQ
|
+$31.3M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Top 16.4% in tier |
| Loans |
$43.9M
-0.3% YoY+1.5% QoQ
|
+$28.1M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Top 8.2% in tier |
| Deposits |
$52.1M
+4.0% YoY+0.2% QoQ
|
+$26.6M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Top 16.8% in tier |
| ROA |
0.7%
+115.3% YoY+5.0% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
49th in tier |
| NIM |
3.5%
+11.7% YoY+0.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
34th in tier |
| Efficiency Ratio |
69.4%
-9.3% YoY-1.5% QoQ
|
-11.9% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
1.3%
-44.2% YoY-18.5% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
84.3%
-4.2% YoY+1.3% QoQ
|
+23.0% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 17.6% in tier |
| AMR |
$11,972
+5.3% YoY+1.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
39th in tier |
| CD Concentration |
61.4%
+7.9% YoY+2.2% QoQ
|
+37.0% |
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
28
Members Per Employee (MPE)
engagement
Value:
1001.500
Peer Avg: 365.701
#28 of 2596
Top 1.0% in <100M tier
97
Total Members
engagement
Value:
8,012
Peer Avg: 2,626
#97 of 2596
Top 3.7% in <100M tier
212
Total Loans
balance_sheet
Value:
$43.87M
Peer Avg: $15.77M
#212 of 2596
Top 8.1% in <100M tier
427
Total Assets
balance_sheet
Value:
$61.19M
Peer Avg: $29.86M
#427 of 2596
Top 16.4% in <100M tier
436
Total Deposits
balance_sheet
Value:
$52.05M
Peer Avg: $25.45M
#436 of 2596
Top 16.8% in <100M tier
454
Loan-to-Share Ratio
balance_sheet
Value:
84.27%
Peer Avg: 61.23%
#454 of 2596
Top 17.4% in <100M tier
646
AMR Growth Rate
growth
Value:
5.29%
Peer Avg: 4.67%
#646 of 2596
Top 24.8% in <100M tier
Top Weaknesses (2 metrics)
2565
Share Certificate Concentration (%)
balance_sheet
Value:
61.40%
Peer Avg: 15.37%
#2565 of 2596
Bottom 1.2% in <100M tier
2035
Net Charge-Off Rate
risk
Value:
0.71%
Peer Avg: 0.57%
#2035 of 2596
Bottom 21.6% in <100M tier