CREDIT UNION ONE OF OKLAHOMA
Charter #64850 | OK
<100M
(2596 CUs)
Micro
($0-$500M)
27 <100M in OK
CREDIT UNION ONE OF OKLAHOMA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.46% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 3.88% above tier (higher cost structure)
- - Member decline: -12.3% YoY
- - Member Growth Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,642
-12.3% YoY-2.0% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 25.0% in tier |
| Assets |
$40.5M
-3.2% YoY-3.0% QoQ
|
+$10.6M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
70th in tier |
| Loans |
$28.0M
-9.2% YoY-4.7% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Top 20.2% in tier |
| Deposits |
$34.3M
-4.3% YoY-4.0% QoQ
|
+$8.9M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
70th in tier |
| ROA |
0.6%
-25.0% YoY-8.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
5.4%
+6.3% YoY+1.3% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
85.3%
+7.7% YoY+1.1% QoQ
|
+3.9% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
68th in tier |
| Delinquency Rate |
0.8%
+20.2% YoY+4.5% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
55th in tier |
| Loan To Share |
81.6%
-5.1% YoY-0.7% QoQ
|
+20.3% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 20.5% in tier |
| AMR |
$17,116
+6.6% YoY-2.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
68th in tier |
| CD Concentration |
10.1%
-27.1% YoY-13.5% QoQ
|
-14.3% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
18.0%
-25.5% YoY-4.8% QoQ
|
+4.1% |
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 (8 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
220
Net Interest Margin (NIM)
profitability
Value:
5.39%
Peer Avg: 3.93%
#220 of 2596
Top 8.4% in <100M tier
351
Fee Income Per Member
profitability
Value:
$153.95
Peer Avg: $182.96
#351 of 2596
Top 13.5% in <100M tier
494
AMR Growth Rate
growth
Value:
6.58%
Peer Avg: 4.67%
#494 of 2596
Top 19.0% in <100M tier
524
Total Loans
balance_sheet
Value:
$28.01M
Peer Avg: $15.77M
#524 of 2596
Top 20.1% in <100M tier
527
Loan-to-Share Ratio
balance_sheet
Value:
81.58%
Peer Avg: 61.23%
#527 of 2596
Top 20.3% in <100M tier
528
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,690
Peer Avg: $5,488
#528 of 2596
Top 20.3% in <100M tier
648
Total Members
engagement
Value:
3,642
Peer Avg: 2,626
#648 of 2596
Top 24.9% in <100M tier
Top Weaknesses (6 metrics)
2491
Member Growth Rate
growth
Value:
-12.33%
Peer Avg: 14.92%
#2491 of 2596
Bottom 4.1% in <100M tier
2429
Indirect Auto Concentration (%)
balance_sheet
Value:
18.05%
Peer Avg: 2.84%
#2429 of 2596
Bottom 6.5% in <100M tier
2067
Deposit Growth Rate
growth
Value:
-4.29%
Peer Avg: 16.80%
#2067 of 2596
Bottom 20.4% in <100M tier
2056
Asset Growth Rate
growth
Value:
-3.20%
Peer Avg: 1.82%
#2056 of 2596
Bottom 20.8% in <100M tier
2049
Net Charge-Off Rate
risk
Value:
0.72%
Peer Avg: 0.57%
#2049 of 2596
Bottom 21.1% in <100M tier
1980
Loan Growth Rate
growth
Value:
-9.18%
Peer Avg: 59.01%
#1980 of 2596
Bottom 23.8% in <100M tier