OAK CLIFF CHRISTIAN
Charter #24804 · Dallas, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.93% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 1.14% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.59% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 41st — a 30-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 | OAK CLIFF CHRISTIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.90M | 86th pct | 57th pct |
| Members | 1,564 | 94th pct | 67th pct |
| Net worth ratio | 6.93% | 3th pct | 2th pct |
| Return on average assets | 1.14% | 76th pct | 79th pct |
| Net interest margin | 4.04% | 50th pct | 41th pct |
| Cost of funds | 1.19% | 71th pct | 41th pct |
| Loan-to-share | 86.54% | 84th pct | 67th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.59% | 6th pct | 2th pct |
| Loan growth YoY | 5.24% | 88th pct | 90th pct |
| Share growth YoY | 8.99% | 92th pct | 89th pct |
| Efficiency ratio | 90.93% | 58th pct | 70th pct |
structural peer set hash: 68810b6c499226648518c44dee398028… (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.