WESTERN SUN
Charter #4202 · Broken Arrow, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,703 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.11% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.06% sits at the 7th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.03% sits at the 97th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 70th — a 24-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 | WESTERN SUN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $185.69M | 46th pct | 61th pct |
| Members | 25,703 | 89th pct | 85th pct |
| Net worth ratio | 17.11% | 93th pct | 89th pct |
| Return on average assets | -0.06% | 7th pct | 7th pct |
| Net interest margin | 4.78% | 94th pct | 70th pct |
| Cost of funds | 1.55% | 69th pct | 57th pct |
| Loan-to-share | 91.85% | 91th pct | 84th pct |
| Delinquency 60+ days | 0.62% | 51th pct | 48th pct |
| Net charge-off ratio | 0.72% | 79th pct | 62th pct |
| Loan growth YoY | -1.06% | 35th pct | 26th pct |
| Share growth YoY | -0.92% | 6th pct | 13th pct |
| Efficiency ratio | 93.03% | 91th pct | 97th pct |
structural peer set hash: bce8275236695b56799848d28f84eece… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERN SUN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.