SAINT FRANCIS EMPLOYEES
Charter #19593 · Tulsa, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,910 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 84th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — a 25-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 | SAINT FRANCIS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.32M | 91th pct | 87th pct |
| Members | 5,910 | 98th pct | 92th pct |
| Net worth ratio | 15.76% | 64th pct | 54th pct |
| Return on average assets | 1.21% | 76th pct | 51th pct |
| Net interest margin | 3.64% | 39th pct | 41th pct |
| Cost of funds | 0.94% | 55th pct | 64th pct |
| Loan-to-share | 38.91% | 20th pct | 33th pct |
| Delinquency 60+ days | 0.21% | 30th pct | 26th pct |
| Net charge-off ratio | 0.74% | 79th pct | 84th pct |
| Loan growth YoY | -6.44% | 21th pct | 25th pct |
| Share growth YoY | 0.78% | 33th pct | 26th pct |
| Efficiency ratio | 70.58% | 28th pct | 49th pct |
structural peer set hash: 57c512592bd4048cc944f3d90f622a00… (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.