Velma
Velma, OK · Charter 8962 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.1MAssets
$2.6MLoans
$2.6MShares
$469KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 20 of 1683).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets (rank 1349 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.07%
Rank 68 of 1,683
Net Interest Margin
6.54%
Rank 20 of 1,683
Efficiency Ratio
69.81%
Rank 450 of 1,682
Equity / Assets
15.18%
Rank 535 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.07% | 0.35% | 0.74% | 1.18% | Beats 96% | 68 / 1,683 | | |
| Return on Equity | 13.65% | 2.67% | 5.89% | 8.74% | Beats 95% | 76 / 1,681 | | |
| Net Interest Margin | 6.54% | 3.31% | 3.82% | 4.32% | Beats 99% | 20 / 1,683 | | |
| Efficiency Ratio | 69.81% | 68.91% | 78.20% | 86.93% | Beats 73% | 450 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,349 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 535 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 535 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.84% | 52.61% | 69.38% | 83.50% | 97th pctl | 52 / 1,683 | | |
| Loans / Assets | 85.05% | 44.71% | 59.18% | 70.72% | 98th pctl | 42 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |