OAK FARMS EMPLOYEES
Charter #67624 · HOUSTON, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.47% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.76% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.85% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.46% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | OAK FARMS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.18M | 51th pct | 21th pct |
| Members | 747 | 65th pct | 51th pct |
| Net worth ratio | 27.29% | 81th pct | 74th pct |
| Return on average assets | -0.47% | 23th pct | 11th pct |
| Net interest margin | 5.76% | 89th pct | 89th pct |
| Cost of funds | 0.27% | 37th pct | 20th pct |
| Loan-to-share | 86.16% | 84th pct | 61th pct |
| Delinquency 60+ days | 5.85% | 89th pct | 90th pct |
| Net charge-off ratio | -0.46% | 7th pct | 7th pct |
| Loan growth YoY | -5.56% | 48th pct | 30th pct |
| Share growth YoY | 7.16% | 88th pct | 93th pct |
| Efficiency ratio | 99.85% | 72th pct | 85th pct |
structural peer set hash: a980aa24bb25b35784e7f00764ab8773… (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.