VELMA
Charter #8962 · Velma, OK · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.66% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.88% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.04% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 15th — 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 | VELMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.00M | 40th pct | 15th pct |
| Members | 689 | 60th pct | 43th pct |
| Net worth ratio | 14.96% | 38th pct | 44th pct |
| Return on average assets | 1.66% | 86th pct | 80th pct |
| Net interest margin | 6.88% | 96th pct | 98th pct |
| Cost of funds | 1.30% | 74th pct | 48th pct |
| Loan-to-share | 103.65% | 95th pct | 95th pct |
| Delinquency 60+ days | 2.04% | 68th pct | 84th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -6.41% | 43th pct | 15th pct |
| Share growth YoY | -1.21% | 39th pct | 26th pct |
| Efficiency ratio | 76.90% | 34th pct | 49th pct |
structural peer set hash: cb396b7909eae7c0b2bb8a2a37cb9d51… (reproducible)
Closest structural peers
This is the free public view
Claim VELMA
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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.