OKLAHOMA'S

Charter #24953 | OK

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in OK

OKLAHOMA'S has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 17.2% in tier
  • + Wallet Share Momentum: Top 24.0% in tier
  • + Relationship Depth Leader: Top 30.3% in tier
  • + ROA 0.10% above tier average
  • + Total Delinquency Rate (60+ days): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.7% in tier
  • - Growth-at-Risk: Bottom 23.5% in tier
  • - Credit Quality Pressure: Bottom 25.8% in tier
  • - Liquidity Overhang: Bottom 31.6% in tier
  • - Efficiency ratio 0.53% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 56,199
+4.3% YoY+1.1% QoQ
 +4.1K 52,114
-2.1% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 59th in tier
Assets $885.3M
+7.8% YoY+1.3% QoQ
 +$26.3M $859.0M
+0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $621.4M
+6.1% YoY+1.3% QoQ
 +$18.0M $603.4M
+1.0% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $705.6M
+9.3% YoY-0.1% QoQ
 $-28.6M $734.2M
+0.9% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 39th in tier
ROA 0.8%
+3.6% YoY+14.3% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.3%
+6.6% YoY+1.8% QoQ
 -0.1% 3.4%
+9.6% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 45th in tier
Efficiency Ratio 75.1%
+1.1% YoY-1.3% QoQ
 +0.5% 74.5%
-3.2% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 45th in tier
Delinquency Rate 0.2%
+16.4% YoY+42.7% QoQ
 -0.6 0.8%
+5.0% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Bottom 8.0% in tier
Loan To Share 88.1%
-2.9% YoY+1.5% QoQ
 +5.4% 82.7%
+0.1% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $23,612
+3.3% YoY-0.6% QoQ
 $-5K $28,651
+2.5% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 39th in tier
CD Concentration 45.3%
+11.7% YoY+0.6% QoQ
 +20.9% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 Top 3.2% in tier
Indirect Auto % 37.9%
-0.6% YoY+1.2% QoQ
 +24.0% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 Top 10.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#315 of 603 • Top 17.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.33%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 37.93%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#663 of 1006 • Top 24.0% in tier

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

Why This Signature
AMR Growth (YoY): 3.33%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#837 of 1006 • Top 30.3% in tier

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

Why This Signature
AMR Growth (YoY): 3.33%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#92 of 525 • Bottom 5.7% in tier

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

Why This Signature
Asset Growth (YoY): 7.83%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 37.93%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.33%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#353 of 446 • Bottom 23.5% in tier

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

Why This Signature
Loan Growth (YoY): 6.14%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#639 of 736 • Bottom 25.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#490 of 552 • Bottom 31.6% 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: 12.90%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.07%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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 112 peers in tier

Top Strengths (6 metrics)

10
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.82%
#10 of 112 Top 8.0% in 750M-1B tier
17
Deposit Growth Rate
growth
Value: 9.32%
Peer Avg: 5.03%
#17 of 112 Top 14.3% in 750M-1B tier
21
Member Growth Rate
growth
Value: 4.33%
Peer Avg: 1.14%
#21 of 112 Top 17.9% in 750M-1B tier
24
First Mortgage Concentration (%)
balance_sheet
Value: 20.54%
Peer Avg: 33.64%
#24 of 112 Top 20.5% in 750M-1B tier
27
Asset Growth Rate
growth
Value: 7.83%
Peer Avg: 4.25%
#27 of 112 Top 23.2% in 750M-1B tier
27
Net Worth Ratio
risk
Value: 12.90%
Peer Avg: 11.52%
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (2 metrics)

108
Share Certificate Concentration (%)
balance_sheet
Value: 45.28%
Peer Avg: 28.34%
#108 of 112 Bottom 4.5% in 750M-1B tier
100
Indirect Auto Concentration (%)
balance_sheet
Value: 37.93%
Peer Avg: 16.60%
#100 of 112 Bottom 11.6% in 750M-1B tier