OTOE-MISSOURIA
Charter #24910 · Red Rock, OK · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -5.07% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 6.29% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.76% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.71% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 113.68% sits at the 90th 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 | OTOE-MISSOURIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.48M | 45th pct | 20th pct |
| Members | 730 | 64th pct | 46th pct |
| Net worth ratio | 9.71% | 12th pct | 36th pct |
| Return on average assets | -5.07% | 4th pct | 2th pct |
| Net interest margin | 6.29% | 92th pct | 95th pct |
| Cost of funds | 0.79% | 59th pct | 48th pct |
| Loan-to-share | 64.85% | 58th pct | 36th pct |
| Delinquency 60+ days | 3.76% | 82th pct | 90th pct |
| Net charge-off ratio | 3.71% | 95th pct | 93th pct |
| Loan growth YoY | -8.64% | 33th pct | 16th pct |
| Share growth YoY | 3.15% | 71th pct | 56th pct |
| Efficiency ratio | 113.68% | 84th pct | 90th pct |
structural peer set hash: fb220e6c48319b7060dff898f21b1196… (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.