BISON
Charter #7149 · Shawnee, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.80% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 54th — a 35-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 | BISON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.26M | 89th pct | 54th pct |
| Members | 3,791 | 88th pct | 69th pct |
| Net worth ratio | 14.81% | 58th pct | 70th pct |
| Return on average assets | 0.62% | 48th pct | 39th pct |
| Net interest margin | 2.80% | 11th pct | 18th pct |
| Cost of funds | 0.72% | 45th pct | 61th pct |
| Loan-to-share | 19.17% | 3th pct | 8th pct |
| Delinquency 60+ days | 0.55% | 48th pct | 41th pct |
| Net charge-off ratio | -0.02% | 17th pct | 18th pct |
| Loan growth YoY | -5.82% | 25th pct | 46th pct |
| Share growth YoY | 2.01% | 44th pct | 43th pct |
| Efficiency ratio | 83.13% | 57th pct | 61th pct |
structural peer set hash: 7f5b43584d02634501fa56595be2173f… (reproducible)
Closest structural peers
This is the free public view
Claim BISON
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.