Okunity
Stillwater, OK · Charter 18965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$214.7MAssets
$165.0MLoans
$175.6MShares
$26.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets (rank 545 of 1682).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets (rank 1235 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.71%
Rank 867 of 1,683
Net Interest Margin
3.36%
Rank 1,235 of 1,683
Efficiency Ratio
72.22%
Rank 545 of 1,682
Equity / Assets
12.33%
Rank 946 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 867 / 1,683 | |
| Return on Equity | 5.77% | 2.67% | 5.89% | 8.74% | Beats 49% | 861 / 1,681 | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,235 / 1,683 | |
| Efficiency Ratio | 72.22% | 68.91% | 78.20% | 86.93% | Beats 68% | 545 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 659 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.33% | 10.44% | 12.89% | 16.53% | Beats 44% | 946 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.33% | 10.44% | 12.89% | 16.53% | Beats 44% | 946 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 93.94% | 52.61% | 69.38% | 83.50% | 92nd pctl | 135 / 1,683 | |
| Loans / Assets | 76.85% | 44.71% | 59.18% | 70.72% | 87th pctl | 221 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |