U. S. EMPLOYEES O. C.

Charter #2744 | OK

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

U. S. EMPLOYEES O. C. has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.3% in tier
  • + Relationship Depth Leader: Top 6.6% in tier
  • + Emerging Performer: Top 27.5% in tier
  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + AMR Growth Rate: Top 2.5% in tier
  • + Net Worth Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.5% in tier
  • - Stagnation Risk: Bottom 2.1% in tier
  • - Institutional Decline: Bottom 5.8% in tier
  • - Indirect Auto Dependency: Bottom 6.0% in tier
  • - Liquidity Overhang: Bottom 9.8% in tier
  • - Credit Quality Pressure: Bottom 25.0% in tier
  • - Member decline: -16.8% YoY
  • - Member Growth Rate: Bottom 1.2% in tier
  • - Indirect Auto Concentration (%): Bottom 5.4% in tier
  • - Deposit Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 14,711
-16.8% YoY-17.3% QoQ
 -917 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 56th in tier
Assets $206.1M
+1.1% YoY+1.7% QoQ
 $-25.2M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 52nd in tier
Loans $128.7M
-3.7% YoY-0.5% QoQ
 $-19.1M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $174.8M
-2.7% YoY-1.9% QoQ
 $-25.5M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 51st in tier
ROA 0.9%
+16.9% YoY+0.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 59th in tier
NIM 3.6%
+6.7% YoY+1.7% QoQ
 +0.0% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 71.8%
-4.1% YoY-0.7% QoQ
 -5.5% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.2%
+22.5% YoY+3.6% QoQ
 -0.6 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Bottom 13.6% in tier
Loan To Share 73.6%
-1.1% YoY+1.4% QoQ
 +0.9% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 49th in tier
AMR $20,629
+16.4% YoY+19.4% QoQ
 $-4K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 26.7%
-3.8% YoY+0.0% QoQ
 +2.3% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 45.1%
-0.0% YoY-0.6% QoQ
 +31.2% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#37 of 1006 • Top 1.3% in tier

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

Why This Signature
AMR Growth (YoY): 16.45%
(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

Relationship Depth Leader

growth
#182 of 1006 • Top 6.6% in tier

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

Why This Signature
AMR Growth (YoY): 16.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#517 of 627 • Top 27.5% in tier

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

Why This Signature
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -16.82%
(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 (6)

Membership Headwinds

decline
#10 of 550 • Bottom 0.5% in tier

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

Why This Signature
Member Growth (YoY): -16.82%
(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 | New qualifier

Stagnation Risk

risk
#36 of 550 • Bottom 2.1% 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: 0.90%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -16.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.73%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#47 of 256 • Bottom 5.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $206.10M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -16.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.73%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#97 of 525 • Bottom 6.0% in tier

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

Why This Signature
Asset Growth (YoY): 1.15%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 45.14%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -16.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#153 of 552 • Bottom 9.8% 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: 16.32%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 73.60%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#618 of 736 • Bottom 25.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 1077 peers in tier

Top Strengths (3 metrics)

28
AMR Growth Rate
growth
Value: 16.45%
Peer Avg: 3.64%
#28 of 1077 Top 2.5% in 100M-500M tier
107
Net Worth Ratio
risk
Value: 16.32%
Peer Avg: 12.15%
#107 of 1077 Top 9.8% in 100M-500M tier
147
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.86%
#147 of 1077 Top 13.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1065
Member Growth Rate
growth
Value: -16.82%
Peer Avg: 0.72%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1020
Indirect Auto Concentration (%)
balance_sheet
Value: 45.14%
Peer Avg: 13.34%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
1000
Deposit Growth Rate
growth
Value: -2.69%
Peer Avg: 4.69%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
889
Loan Growth Rate
growth
Value: -3.73%
Peer Avg: 3.45%
#889 of 1077 Bottom 17.5% in 100M-500M tier