Cherokee Strip
Ponca City, OK · Charter 64281 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$106.0MAssets
$66.9MLoans
$94.7MShares
$10.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 191 of 1683).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets (rank 1545 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.17%
Rank 1,530 of 1,683
Net Interest Margin
4.84%
Rank 191 of 1,683
Efficiency Ratio
95.70%
Rank 1,519 of 1,682
Equity / Assets
9.86%
Rank 1,368 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.17% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,530 / 1,683 | | |
| Return on Equity | -1.76% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,545 / 1,681 | | |
| Net Interest Margin | 4.84% | 3.31% | 3.82% | 4.32% | Beats 89% | 191 / 1,683 | | |
| Efficiency Ratio | 95.70% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,519 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 740 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,368 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,368 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.66% | 52.61% | 69.38% | 83.50% | 52nd pctl | 802 / 1,683 | | |
| Loans / Assets | 63.14% | 44.71% | 59.18% | 70.72% | 59th pctl | 696 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |