Oklahoma Credit Unions

Member engagement deteriorated significantly with growth falling to -1.45% in Q4 2025, stable from -1.41% last quarter but down sharply from +0.62% a year ago. This places Oklahoma credit unions 75 basis points below the national average of -0.69%, indicating deeper membership challenges than industry peers.

Profitability faced quarterly pressure with ROA declining to 0.54% from 0.61% last quarter, though remaining stable year-over-year. Net interest margin held steady at 3.92% both quarterly and up from 3.79% annually, outperforming the national benchmark by 20 basis points despite ROA trailing national levels.

Growth momentum decelerated across key metrics with asset growth slowing to 1.82% from 2.49% quarterly, though accelerating from -0.01% year-over-year. Loan growth deteriorated further to -1.16% from -0.66% last quarter, trailing the national benchmark by 168 basis points.

Credit quality improved with delinquencies decreasing to 0.81% from 0.86% quarterly and down from 0.97% year-over-year, performing 9 basis points better than national levels. Net worth strengthened to 13.12% from 12.77% quarterly and 12.48% annually, though remaining below national benchmarks.

Portfolio composition shifted with indirect auto lending declining to 14.75% from 18.73% year-over-year, though still nearly double the national average. First mortgage concentration increased to 14.03% from 13.23% annually but remains well below the 21.97% national benchmark, indicating growth opportunities.