OKUNITY
Charter #18965 · Stillwater, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.25% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 80th percentile of structural peers — worth a closer look.
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 | OKUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $217.95M | 56th pct | 44th pct |
| Members | 12,861 | 48th pct | 39th pct |
| Net worth ratio | 11.94% | 56th pct | 62th pct |
| Return on average assets | 0.56% | 39th pct | 48th pct |
| Net interest margin | 3.25% | 25th pct | 18th pct |
| Cost of funds | 1.87% | 83th pct | 80th pct |
| Loan-to-share | 90.01% | 89th pct | 84th pct |
| Delinquency 60+ days | 0.49% | 40th pct | 43th pct |
| Net charge-off ratio | 0.54% | 68th pct | 66th pct |
| Loan growth YoY | -5.56% | 5th pct | 2th pct |
| Share growth YoY | 1.74% | 25th pct | 30th pct |
| Efficiency ratio | 75.56% | 40th pct | 36th pct |
structural peer set hash: c5a284581f7a70158813be2f72dfd2b9… (reproducible)
Closest structural peers
This is the free public view
Claim OKUNITY
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.