Okaloosa County Teachers
Crestview, FL · Charter 13534 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$135.3MAssets
$54.9MLoans
$121.2MShares
$12.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 33% of credit unions under $1B in assets (rank 1132 of 1683).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets (rank 1433 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.31%
Rank 1,306 of 1,683
Net Interest Margin
3.49%
Rank 1,132 of 1,683
Efficiency Ratio
86.98%
Rank 1,263 of 1,682
Equity / Assets
9.46%
Rank 1,433 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,306 / 1,683 | |
| Return on Equity | 3.25% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,184 / 1,681 | |
| Net Interest Margin | 3.49% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,132 / 1,683 | |
| Efficiency Ratio | 86.98% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,263 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.39% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,294 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,433 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,433 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 45.30% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,398 / 1,683 | |
| Loans / Assets | 40.58% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,346 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |