OAHE
Charter #10243 · Pierre, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.44% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 72nd — a 20-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 | OAHE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.02M | 92th pct | 72th pct |
| Members | 3,565 | 86th pct | 67th pct |
| Net worth ratio | 15.85% | 65th pct | 69th pct |
| Return on average assets | 1.44% | 84th pct | 75th pct |
| Net interest margin | 4.06% | 60th pct | 51th pct |
| Cost of funds | 1.33% | 72th pct | 69th pct |
| Loan-to-share | 60.62% | 55th pct | 41th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 49th pct |
| Net charge-off ratio | 0.40% | 67th pct | 59th pct |
| Loan growth YoY | -4.67% | 32th pct | 20th pct |
| Share growth YoY | 3.41% | 61th pct | 54th pct |
| Efficiency ratio | 67.29% | 21th pct | 26th pct |
structural peer set hash: cff30ba50cdd52085ab5e09f2425d101… (reproducible)
Closest structural peers
This is the free public view
Claim OAHE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.