SOUTHWEST OKLAHOMA
Charter #12271 · Lawton, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,851 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 18.64% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.85% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.79% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.67% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | SOUTHWEST OKLAHOMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.29M | 12th pct | 51th pct |
| Members | 4,851 | 3th pct | 25th pct |
| Net worth ratio | 18.64% | 96th pct | 80th pct |
| Return on average assets | 1.85% | 94th pct | 89th pct |
| Net interest margin | 4.79% | 95th pct | 90th pct |
| Cost of funds | 0.51% | 20th pct | 26th pct |
| Loan-to-share | 78.36% | 64th pct | 67th pct |
| Delinquency 60+ days | 0.63% | 51th pct | 57th pct |
| Net charge-off ratio | 0.09% | 18th pct | 28th pct |
| Loan growth YoY | 2.28% | 69th pct | 80th pct |
| Share growth YoY | -0.15% | 9th pct | 16th pct |
| Efficiency ratio | 62.67% | 12th pct | 20th pct |
structural peer set hash: 825ac5a6dd83ce3ea99a94da08889ea0… (reproducible)
Closest structural peers
This is the free public view
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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.