ENDURANCE
Charter #13898 · Duncan, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.58% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.90% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.55% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 52nd — a 21-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 | ENDURANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $197.79M | 51th pct | 69th pct |
| Members | 13,243 | 50th pct | 59th pct |
| Net worth ratio | 13.39% | 73th pct | 69th pct |
| Return on average assets | 0.58% | 41th pct | 25th pct |
| Net interest margin | 2.90% | 11th pct | 8th pct |
| Cost of funds | 1.55% | 69th pct | 75th pct |
| Loan-to-share | 62.95% | 32th pct | 52th pct |
| Delinquency 60+ days | 0.18% | 11th pct | 11th pct |
| Net charge-off ratio | 0.35% | 50th pct | 36th pct |
| Loan growth YoY | 1.13% | 58th pct | 57th pct |
| Share growth YoY | 7.78% | 91th pct | 90th pct |
| Efficiency ratio | 81.47% | 60th pct | 72th pct |
structural peer set hash: eb96cf67b4c244f5964325a338e0b40e… (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.