OKLAHOMA

Charter #7151 | OK

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

OKLAHOMA has 8 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.2% in tier
  • + Relationship Depth Leader: Top 14.6% in tier
  • + Emerging Performer: Top 18.9% in tier
  • + ROA 0.93% above tier average
  • + Efficiency Ratio: Top 3.1% in tier
  • + Net Worth Ratio: Top 3.3% in tier
  • + AMR Growth Rate: Top 6.6% in tier
  • + Members Per Employee (MPE): Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.1% in tier
  • - Membership Headwinds: Bottom 2.7% in tier
  • - Indirect Auto Dependency: Bottom 4.4% in tier
  • - Margin Compression: Bottom 5.0% in tier
  • - Liquidity Overhang: Bottom 8.2% in tier
  • - Credit Quality Pressure: Bottom 22.1% in tier
  • - Growth-at-Risk: Bottom 28.6% in tier
  • - Member decline: -9.0% YoY
  • - Share Certificate Concentration (%): Bottom 0.4% in tier
  • - Member Growth Rate: Bottom 4.0% in tier
  • - Indirect Auto Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 9,610
-9.0% YoY-6.2% QoQ
 -6.0K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $193.6M
+3.1% YoY+1.0% QoQ
 $-37.7M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 49th in tier
Loans $121.3M
+0.8% YoY+0.5% QoQ
 $-26.5M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 48th in tier
Deposits $155.6M
+1.8% YoY+0.3% QoQ
 $-44.7M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA 1.7%
-16.4% YoY-8.5% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Top 7.0% in tier
NIM 3.4%
-18.2% YoY+0.5% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 52.3%
+2.5% YoY+5.2% QoQ
 -24.9% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 3.1% in tier
Delinquency Rate 0.4%
+23.3% YoY+127.5% QoQ
 -0.5 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Bottom 22.7% in tier
Loan To Share 78.0%
-1.0% YoY+0.1% QoQ
 +5.3% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $28,807
+11.4% YoY+7.0% QoQ
 +$4K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Top 20.3% in tier
CD Concentration 54.9%
+3.7% YoY+1.5% QoQ
 +30.5% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 41.1%
-9.0% YoY-1.5% QoQ
 +27.2% 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
#88 of 1006 • Top 3.2% in tier

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

Why This Signature
AMR Growth (YoY): 11.38%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#402 of 1006 • Top 14.6% in tier

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

Why This Signature
AMR Growth (YoY): 11.38%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(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 | Rank improving

Emerging Performer

growth
#355 of 627 • Top 18.9% in tier

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

Why This Signature
Return on Assets: 1.72%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -8.98%
(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 (7)

Stagnation Risk

risk
#3 of 550 • Bottom 0.1% 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: 1.72%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -8.98%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 54.88%
(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 improving

Membership Headwinds

decline
#45 of 550 • Bottom 2.7% in tier

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

Why This Signature
Member Growth (YoY): -8.98%
(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 improving

Indirect Auto Dependency

risk
#72 of 525 • Bottom 4.4% in tier

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

Why This Signature
Asset Growth (YoY): 3.10%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 41.13%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -8.98%
(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

Margin Compression

decline
#22 of 136 • Bottom 5.0% in tier

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

Why This Signature
Return on Assets: 1.72%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.34% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $193.60M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#127 of 552 • Bottom 8.2% 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: 19.51%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.95%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#548 of 736 • Bottom 22.1% in tier

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

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

Growth-at-Risk

risk
#429 of 446 • Bottom 28.6% in tier

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

Why This Signature
Loan Growth (YoY): 0.79%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 (9 metrics)

34
Efficiency Ratio
profitability
Value: 52.33%
Peer Avg: 77.28%
#34 of 1077 Top 3.1% in 100M-500M tier
37
Net Worth Ratio
risk
Value: 19.51%
Peer Avg: 12.15%
#37 of 1077 Top 3.3% in 100M-500M tier
72
AMR Growth Rate
growth
Value: 11.38%
Peer Avg: 3.64%
#72 of 1077 Top 6.6% in 100M-500M tier
75
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.79%
#75 of 1077 Top 6.9% in 100M-500M tier
78
Members Per Employee (MPE)
engagement
Value: 480.500
Peer Avg: 332.881
#78 of 1077 Top 7.1% in 100M-500M tier
157
Fee Income Per Member
profitability
Value: $246.77
Peer Avg: $174.31
#157 of 1077 Top 14.5% in 100M-500M tier
213
Loan-to-Member Ratio (LMR)
engagement
Value: $12,619
Peer Avg: $10,245
#213 of 1077 Top 19.7% in 100M-500M tier
219
Average Member Relationship (AMR)
engagement
Value: $28,807
Peer Avg: $24,363
#219 of 1077 Top 20.2% in 100M-500M tier
246
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.86%
#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1074
Share Certificate Concentration (%)
balance_sheet
Value: 54.88%
Peer Avg: 23.61%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1035
Member Growth Rate
growth
Value: -8.98%
Peer Avg: 0.72%
#1035 of 1077 Bottom 4.0% in 100M-500M tier
990
Indirect Auto Concentration (%)
balance_sheet
Value: 41.13%
Peer Avg: 13.34%
#990 of 1077 Bottom 8.2% in 100M-500M tier
838
Net Charge-Off Rate
risk
Value: 0.66%
Peer Avg: 0.47%
#838 of 1077 Bottom 22.3% in 100M-500M tier