GROWING OAKS
Charter #24919 · Goldsby, OK · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 493 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.39% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -6.54% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 209.09% sits at the 98th 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 | GROWING OAKS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.87M | 49th pct | 15th pct |
| Members | 493 | 43th pct | 8th pct |
| Net worth ratio | 8.39% | 7th pct | 11th pct |
| Return on average assets | -6.54% | 3th pct | 0th pct |
| Net interest margin | 4.41% | 61th pct | 57th pct |
| Cost of funds | 1.37% | 75th pct | 62th pct |
| Loan-to-share | 80.21% | 77th pct | 67th pct |
| Delinquency 60+ days | 0.16% | 33th pct | 20th pct |
| Net charge-off ratio | 0.30% | 78th pct | 56th pct |
| Loan growth YoY | 2.23% | 81th pct | 80th pct |
| Share growth YoY | 1.83% | 63th pct | 64th pct |
| Efficiency ratio | 209.09% | 97th pct | 98th pct |
structural peer set hash: 6a5a8548b648a83b329a5bc3cf691859… (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.