Western Sun
Broken Arrow, OK · Charter 4202 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$181.5MAssets
$141.8MLoans
$148.2MShares
$31.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 167 of 1683).
- Widest gap: return on equity trails 87% of credit unions under $1B in assets (rank 1457 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.09%
Rank 1,449 of 1,683
Net Interest Margin
4.90%
Rank 167 of 1,683
Efficiency Ratio
90.40%
Rank 1,395 of 1,682
Equity / Assets
17.57%
Rank 357 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,449 / 1,683 | | |
| Return on Equity | 0.51% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,457 / 1,681 | | |
| Net Interest Margin | 4.90% | 3.31% | 3.82% | 4.32% | Beats 90% | 167 / 1,683 | | |
| Efficiency Ratio | 90.40% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,395 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 879 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 357 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 357 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.73% | 52.61% | 69.38% | 83.50% | 94th pctl | 103 / 1,683 | | |
| Loans / Assets | 78.15% | 44.71% | 59.18% | 70.72% | 89th pctl | 185 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |