OK
Charter #10158 · Bartlesville, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,532 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.79% sits at the 25th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 51st — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.92M | 54th pct | 69th pct |
| Members | 3,532 | 85th pct | 82th pct |
| Net worth ratio | 15.13% | 61th pct | 49th pct |
| Return on average assets | 0.62% | 48th pct | 26th pct |
| Net interest margin | 3.79% | 46th pct | 25th pct |
| Cost of funds | 1.22% | 67th pct | 51th pct |
| Loan-to-share | 74.92% | 77th pct | 51th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 56th pct |
| Net charge-off ratio | -0.01% | 21th pct | 30th pct |
| Loan growth YoY | -2.99% | 46th pct | 30th pct |
| Share growth YoY | 6.90% | 86th pct | 82th pct |
| Efficiency ratio | 74.51% | 37th pct | 52th pct |
structural peer set hash: e6e634f2ca67db775c907c04397a079f… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.