WEOKIE

Charter #24899 | OK

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in OK

WEOKIE has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.4% in tier
  • + Emerging Performer: Top 6.4% in tier
  • + Organic Growth Engine: Top 8.6% in tier
  • + Strong member growth: 7.5% YoY
  • + Member Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.3% in tier
  • - Shrinking Wallet Share: Bottom 19.1% in tier
  • - Liquidity Overhang: Bottom 24.6% in tier
  • - Credit Quality Pressure: Bottom 27.2% in tier
  • - Growth-at-Risk: Bottom 28.1% in tier
  • - ROA 0.03% below tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 67,851
+7.5% YoY+0.7% QoQ
 -30.8K 98,678
-1.9% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Bottom 22.4% in tier
Assets $1.5B
+6.1% YoY+0.9% QoQ
 $-255.6M $1.7B
+0.5% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 46th in tier
Loans $1.0B
+3.8% YoY+0.6% QoQ
 $-208.4M $1.2B
+0.5% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 40th in tier
Deposits $1.1B
+6.9% YoY+0.9% QoQ
 $-395.2M $1.5B
+1.3% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 0.7%
+22.2% YoY+9.2% QoQ
 -0.0% 0.7%
+13.4% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 2.7%
+7.4% YoY+0.4% QoQ
 -0.6% 3.3%
+9.3% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 16.8% in tier
Efficiency Ratio 73.8%
-1.7% YoY-1.5% QoQ
 -0.1% 74.0%
-10.9% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.7%
+0.9% YoY+8.5% QoQ
 -0.1 0.8%
+6.1% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 96.7%
-2.9% YoY-0.3% QoQ
 +11.5% 85.2%
-0.8% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 20.1% in tier
AMR $30,712
-2.0% YoY+0.1% QoQ
 +$2K $29,172
+2.8% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 25.5%
-21.0% YoY-23.5% QoQ
 -3.5% 29.0%
+0.8% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 35th in tier
Indirect Auto % 14.5%
-1.5% YoY-3.3% QoQ
 -4.3% 18.8%
-2.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#26 of 138 • Top 6.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.48%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Emerging Performer

growth
#35 of 184 • Top 6.4% in tier

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

Why This Signature
Return on Assets: 0.68%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 7.48%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#63 of 246 • Top 8.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.48%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.68%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 14.49%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk
#97 of 183 • Bottom 18.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.80%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#59 of 83 • Bottom 19.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.00%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY

Liquidity Overhang

risk
#80 of 113 • Bottom 24.6% 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: 13.37%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 96.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Credit Quality Pressure

risk
#209 of 217 • Bottom 27.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Growth-at-Risk

risk
#157 of 161 • Bottom 28.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.80%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 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 304 peers in tier

Top Strengths (4 metrics)

31
Member Growth Rate
growth
Value: 7.48%
Peer Avg: 2.20%
#31 of 304 Top 9.9% in 1B-3B tier
47
Net Worth Ratio
risk
Value: 13.37%
Peer Avg: 11.44%
#47 of 304 Top 15.1% in 1B-3B tier
50
Fee Income Per Member
profitability
Value: $272.53
Peer Avg: $210.52
#50 of 304 Top 16.1% in 1B-3B tier
61
Loan-to-Share Ratio
balance_sheet
Value: 96.74%
Peer Avg: 85.19%
#61 of 304 Top 19.7% in 1B-3B tier

Top Weaknesses (4 metrics)

258
AMR Growth Rate
growth
Value: -2.00%
Peer Avg: 3.29%
#258 of 304 Bottom 15.5% in 1B-3B tier
253
Net Interest Margin (NIM)
profitability
Value: 2.70%
Peer Avg: 3.26%
#253 of 304 Bottom 17.1% in 1B-3B tier
239
Members Per Employee (MPE)
engagement
Value: 295.004
Peer Avg: 364.953
#239 of 304 Bottom 21.7% in 1B-3B tier
236
Total Members
engagement
Value: 67,851
Peer Avg: 98,678
#236 of 304 Bottom 22.7% in 1B-3B tier