MUNICIPAL EMPS CU OF OKLAHOMA CITY

Charter #65503 | OK

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

MUNICIPAL EMPS CU OF OKLAHOMA CITY has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.5% in tier
  • + Wallet Share Momentum: Top 3.9% in tier
  • + Emerging Performer: Top 28.8% in tier
  • + Total Delinquency Rate (60+ days): Top 3.6% in tier
  • + Deposit Growth Rate: Top 7.0% in tier
  • + AMR Growth Rate: Top 8.1% in tier
  • + Asset Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.0% in tier
  • - Indirect Auto Dependency: Bottom 2.7% in tier
  • - Stagnation Risk: Bottom 25.5% in tier
  • - Membership Headwinds: Bottom 25.8% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 21.47% 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 9,766
-1.3% YoY-0.9% QoQ
 -5.9K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $178.3M
+10.8% YoY+6.8% QoQ
 $-53.0M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $134.4M
+5.8% YoY+0.2% QoQ
 $-13.4M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 55th in tier
Deposits $161.1M
+12.0% YoY+7.5% QoQ
 $-39.2M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 46th in tier
ROA 0.3%
+54.7% YoY+11.6% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Bottom 20.3% in tier
NIM 3.4%
+6.8% YoY-2.7% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 98.7%
+2.8% YoY+6.6% QoQ
 +21.5% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 2.6% in tier
Delinquency Rate 0.1%
-39.0% YoY+237.8% QoQ
 -0.8 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Bottom 3.6% in tier
Loan To Share 83.4%
-5.6% YoY-6.8% QoQ
 +10.7% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $30,250
+10.5% YoY+4.9% QoQ
 +$6K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Top 16.2% in tier
CD Concentration 34.1%
+38.3% YoY+32.8% QoQ
 +9.7% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 27.8%
+2.3% YoY-4.1% QoQ
 +13.8% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#15 of 1006 • Top 0.5% in tier

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

Why This Signature
AMR Growth (YoY): 10.53%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#109 of 1006 • Top 3.9% in tier

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

Why This Signature
AMR Growth (YoY): 10.53%
(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

Emerging Performer

growth
#540 of 627 • Top 28.8% in tier

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

Why This Signature
Return on Assets: 0.33%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.29%
(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 improving

Concerns (4)

Efficiency Drag

risk
#18 of 521 • Bottom 1.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 98.75%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.12% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#44 of 525 • Bottom 2.7% in tier

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

Why This Signature
Asset Growth (YoY): 10.82%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.76%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.29%
(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 improving

Stagnation Risk

risk
#421 of 550 • Bottom 25.5% 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: 0.33%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 34.10%
(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 | Rank worsening

Membership Headwinds

decline
#426 of 550 • Bottom 25.8% in tier

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

Why This Signature
Member Growth (YoY): -1.29%
(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 | 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 (8 metrics)

40
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Avg: 0.86%
#40 of 1077 Top 3.6% in 100M-500M tier
76
Deposit Growth Rate
growth
Value: 12.04%
Peer Avg: 4.69%
#76 of 1077 Top 7.0% in 100M-500M tier
88
AMR Growth Rate
growth
Value: 10.53%
Peer Avg: 3.64%
#88 of 1077 Top 8.1% in 100M-500M tier
95
Asset Growth Rate
growth
Value: 10.82%
Peer Avg: 4.70%
#95 of 1077 Top 8.7% in 100M-500M tier
151
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#151 of 1077 Top 13.9% in 100M-500M tier
154
Loan-to-Member Ratio (LMR)
engagement
Value: $13,757
Peer Avg: $10,245
#154 of 1077 Top 14.2% in 100M-500M tier
174
Average Member Relationship (AMR)
engagement
Value: $30,250
Peer Avg: $24,363
#174 of 1077 Top 16.1% in 100M-500M tier
230
Fee Income Per Member
profitability
Value: $222.65
Peer Avg: $174.31
#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1050
Efficiency Ratio
profitability
Value: 98.75%
Peer Avg: 77.28%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
970
Members Per Employee (MPE)
engagement
Value: 227.116
Peer Avg: 332.881
#970 of 1077 Bottom 10.0% in 100M-500M tier
921
Net Worth Ratio
risk
Value: 9.11%
Peer Avg: 12.15%
#921 of 1077 Bottom 14.6% in 100M-500M tier
889
Share Certificate Concentration (%)
balance_sheet
Value: 34.10%
Peer Avg: 23.61%
#889 of 1077 Bottom 17.5% in 100M-500M tier
874
Indirect Auto Concentration (%)
balance_sheet
Value: 27.76%
Peer Avg: 13.34%
#874 of 1077 Bottom 18.9% in 100M-500M tier
858
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.79%
#858 of 1077 Bottom 20.4% in 100M-500M tier