COOPERATIVE EMPLOYEES
Charter #62502 | OK
<100M
(2596 CUs)
Micro
($0-$500M)
27 <100M in OK
COOPERATIVE EMPLOYEES has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + Asset Growth Rate: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 5.96% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
953
+0.8% YoY-0.3% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
27th in tier |
| Assets |
$9.9M
+12.5% YoY+7.5% QoQ
|
$-20.0M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$5.9M
-6.2% YoY-3.8% QoQ
|
$-9.9M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
38th in tier |
| Deposits |
$8.7M
+14.1% YoY+8.0% QoQ
|
$-16.7M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
0.6%
+47.7% YoY+8.8% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
4.2%
+3.0% YoY-0.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
64th in tier |
| Efficiency Ratio |
87.4%
-4.2% YoY-1.3% QoQ
|
+6.0% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
72nd in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
67.6%
-17.8% YoY-10.9% QoQ
|
+6.4% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
59th in tier |
| AMR |
$15,383
+4.0% YoY+3.2% QoQ
|
+$756 |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
32.1%
+12.5% YoY+19.5% QoQ
|
+7.7% |
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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
110
Deposit Growth Rate
growth
Value:
14.11%
Peer Avg: 16.80%
#110 of 2596
Top 4.2% in <100M tier
132
Asset Growth Rate
growth
Value:
12.46%
Peer Avg: 1.82%
#132 of 2596
Top 5.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
649
Member Growth Rate
growth
Value:
0.85%
Peer Avg: 14.92%
#649 of 2596
Top 25.0% in <100M tier
Top Weaknesses (2 metrics)
2216
Share Certificate Concentration (%)
balance_sheet
Value:
32.15%
Peer Avg: 15.37%
#2216 of 2596
Bottom 14.7% in <100M tier
2024
Net Worth Ratio
risk
Value:
10.64%
Peer Avg: 16.43%
#2024 of 2596
Bottom 22.1% in <100M tier