OKLAHOMA EDUCATORS

Charter #61088 | OK

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

OKLAHOMA EDUCATORS has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.3% in tier
  • + Relationship Depth Leader: Top 8.3% in tier
  • + Net Interest Margin 0.37% above tier average
  • + AMR Growth Rate: Top 0.6% in tier
  • + Deposit Growth Rate: Top 1.5% in tier
  • + Asset Growth Rate: Top 1.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.3% in tier
  • - Membership Headwinds: Bottom 4.3% in tier
  • - Growth-at-Risk: Bottom 19.0% in tier
  • - Margin Compression: Bottom 22.7% in tier
  • - Credit Quality Pressure: Bottom 25.3% in tier
  • - ROA 0.01% below tier average
  • - Member decline: -6.9% YoY
  • - Members Per Employee (MPE): Bottom 0.9% in tier
  • - Net Charge-Off Rate: Bottom 5.4% in tier
  • - Member Growth Rate: Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 12,168
-6.9% YoY-1.3% QoQ
 -3.5K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 43rd in tier
Assets $276.4M
+27.1% YoY+16.0% QoQ
 +$45.1M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 69th in tier
Loans $165.1M
+9.3% YoY+9.0% QoQ
 +$17.3M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $194.9M
+29.6% YoY+16.7% QoQ
 $-5.4M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 0.8%
-28.9% YoY-13.3% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 51st in tier
NIM 3.9%
-10.7% YoY-10.9% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 72.8%
+1.3% YoY-0.1% QoQ
 -4.5% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 33rd in tier
Delinquency Rate 0.6%
+6.4% YoY-13.8% QoQ
 -0.2 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 84.7%
-15.7% YoY-6.6% QoQ
 +12.0% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 74th in tier
AMR $29,583
+28.3% YoY+14.5% QoQ
 +$5K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Top 17.8% in tier
CD Concentration 21.3%
-40.4% YoY-17.1% QoQ
 -3.1% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 7.5%
-39.9% YoY-19.3% QoQ
 -6.4% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#9 of 1006 • Top 0.3% in tier

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

Why This Signature
AMR Growth (YoY): 28.29%
(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
#229 of 1006 • Top 8.3% in tier

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

Why This Signature
AMR Growth (YoY): 28.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(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

Concerns (5)

Stagnation Risk

risk
#23 of 550 • Bottom 1.3% 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: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -6.92%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.31%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#71 of 550 • Bottom 4.3% in tier

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

Why This Signature
Member Growth (YoY): -6.92%
(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

Growth-at-Risk

risk
#286 of 446 • Bottom 19.0% in tier

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

Why This Signature
Loan Growth (YoY): 9.26%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Margin Compression

decline
#96 of 136 • Bottom 22.7% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $276.40M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#628 of 736 • Bottom 25.3% 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 | 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 1077 peers in tier

Top Strengths (6 metrics)

7
AMR Growth Rate
growth
Value: 28.29%
Peer Avg: 3.64%
#7 of 1077 Top 0.6% in 100M-500M tier
17
Deposit Growth Rate
growth
Value: 29.61%
Peer Avg: 4.69%
#17 of 1077 Top 1.5% in 100M-500M tier
19
Asset Growth Rate
growth
Value: 27.13%
Peer Avg: 4.70%
#19 of 1077 Top 1.7% in 100M-500M tier
160
Loan-to-Member Ratio (LMR)
engagement
Value: $13,568
Peer Avg: $10,245
#160 of 1077 Top 14.8% in 100M-500M tier
190
Loan Growth Rate
growth
Value: 9.26%
Peer Avg: 3.45%
#190 of 1077 Top 17.5% in 100M-500M tier
192
Average Member Relationship (AMR)
engagement
Value: $29,583
Peer Avg: $24,363
#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1068
Members Per Employee (MPE)
engagement
Value: 169.000
Peer Avg: 332.881
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1020
Net Charge-Off Rate
risk
Value: 1.30%
Peer Avg: 0.47%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
1013
Member Growth Rate
growth
Value: -6.92%
Peer Avg: 0.72%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
881
First Mortgage Concentration (%)
balance_sheet
Value: 46.43%
Peer Avg: 30.43%
#881 of 1077 Bottom 18.3% in 100M-500M tier