CHEROKEE STRIP
Charter #64281 · Ponca City, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.56% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.95% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.42% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 106.26% 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 | CHEROKEE STRIP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $101.19M | 1th pct | 5th pct |
| Members | 9,374 | 28th pct | 41th pct |
| Net worth ratio | 10.28% | 31th pct | 43th pct |
| Return on average assets | -0.56% | 3th pct | 0th pct |
| Net interest margin | 4.95% | 96th pct | 97th pct |
| Cost of funds | 1.02% | 40th pct | 39th pct |
| Loan-to-share | 75.83% | 57th pct | 51th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 56th pct |
| Net charge-off ratio | 1.42% | 96th pct | 95th pct |
| Loan growth YoY | -8.11% | 1th pct | 0th pct |
| Share growth YoY | 4.66% | 67th pct | 59th pct |
| Efficiency ratio | 106.26% | 99th pct | 98th pct |
structural peer set hash: ab8307eb1530895a4996bf9e4cad6898… (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.