U. S. EMPLOYEES O. C.
Charter #2744 · OKLAHOMA CITY, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.42% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.72% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.30% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.14% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 25th — 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 | U. S. EMPLOYEES O. C. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $210.21M | 54th pct | 56th pct |
| Members | 15,027 | 59th pct | 39th pct |
| Net worth ratio | 16.42% | 91th pct | 87th pct |
| Return on average assets | 0.94% | 66th pct | 64th pct |
| Net interest margin | 3.72% | 54th pct | 25th pct |
| Cost of funds | 1.26% | 53th pct | 61th pct |
| Loan-to-share | 78.18% | 63th pct | 51th pct |
| Delinquency 60+ days | 0.30% | 22th pct | 23th pct |
| Net charge-off ratio | 0.81% | 84th pct | 72th pct |
| Loan growth YoY | 8.11% | 96th pct | 97th pct |
| Share growth YoY | 1.78% | 25th pct | 23th pct |
| Efficiency ratio | 68.14% | 21th pct | 10th pct |
structural peer set hash: cbf82df1d3056c2c515916acdd99cf70… (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.