CREDIT UNION ONE OF OKLAHOMA
Charter #64850 · Oklahoma City, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.19% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.33% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.78% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.16% sits at the 89th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 56th — a 28-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 | CREDIT UNION ONE OF OKLAHOMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.43M | 81th pct | 57th pct |
| Members | 3,427 | 84th pct | 56th pct |
| Net worth ratio | 15.09% | 60th pct | 52th pct |
| Return on average assets | 0.38% | 34th pct | 38th pct |
| Net interest margin | 5.19% | 94th pct | 90th pct |
| Cost of funds | 0.33% | 23th pct | 15th pct |
| Loan-to-share | 86.46% | 91th pct | 75th pct |
| Delinquency 60+ days | 1.78% | 82th pct | 85th pct |
| Net charge-off ratio | 1.16% | 88th pct | 89th pct |
| Loan growth YoY | 2.18% | 83th pct | 84th pct |
| Share growth YoY | -3.59% | 6th pct | 8th pct |
| Efficiency ratio | 90.97% | 75th pct | 70th pct |
structural peer set hash: 651d4668c2d7572a106d46d70b9695b5… (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.