Southwest Oklahoma
Lawton, OK · Charter 12271 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$116.4MAssets
$74.6MLoans
$94.1MShares
$22.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 77 of 1683).
- Widest gap: nonperforming loans / loans trails 61% of credit unions under $1B in assets (rank 1021 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.00%
Rank 77 of 1,683
Net Interest Margin
4.85%
Rank 187 of 1,683
Efficiency Ratio
60.81%
Rank 198 of 1,682
Equity / Assets
19.32%
Rank 255 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.00% | 0.35% | 0.74% | 1.18% | Beats 95% | 77 / 1,683 | |
| Return on Equity | 10.35% | 2.67% | 5.89% | 8.74% | Beats 85% | 253 / 1,681 | |
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 187 / 1,683 | |
| Efficiency Ratio | 60.81% | 68.91% | 78.20% | 86.93% | Beats 88% | 198 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,021 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.32% | 10.44% | 12.89% | 16.53% | Beats 85% | 255 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.32% | 10.44% | 12.89% | 16.53% | Beats 85% | 255 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.28% | 52.61% | 69.38% | 83.50% | 68th pctl | 538 / 1,683 | |
| Loans / Assets | 64.08% | 44.71% | 59.18% | 70.72% | 61st pctl | 657 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |