U. S. Employees O. C.
Oklahoma City, OK · Charter 2744 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 6 branches
Q2 2026
$213.5MAssets
$145.7MLoans
$181.4MShares
$34.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 2 of 17).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 12 of 17).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.73%
Rank 7 of 17
Net Interest Margin
3.60%
Rank 12 of 17
Efficiency Ratio
71.48%
Rank 2 of 17
Equity / Assets
16.31%
Rank 6 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.09% | 0.50% | 0.87% | Beats 59% | 7 / 17 | |
| Return on Equity | 4.45% | 0.57% | 3.59% | 5.86% | Beats 59% | 7 / 17 | |
| Net Interest Margin | 3.60% | 3.47% | 3.95% | 4.62% | Beats 29% | 12 / 17 | |
| Efficiency Ratio | 71.48% | 72.40% | 84.09% | 93.29% | Beats 94% | 2 / 17 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.24% | 0.51% | 0.96% | Beats 82% | 4 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 9.54% | 12.63% | 17.12% | Beats 65% | 6 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.31% | 9.54% | 12.63% | 17.12% | Beats 65% | 6 / 17 | |
| Liquidity & Funding |
| Loans / Deposits | 80.30% | 65.22% | 80.30% | 85.86% | 47th pctl | 9 / 17 | |
| Loans / Assets | 68.25% | 51.37% | 68.04% | 74.15% | 53rd pctl | 8 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |