OU
Charter #9335 · NORMAN, OK · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,151 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.78% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.81% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.73% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 62nd — a 27-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 | OU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $80.49M | 68th pct | 48th pct |
| Members | 14,151 | 99th pct | 92th pct |
| Net worth ratio | 7.78% | 2th pct | 5th pct |
| Return on average assets | 1.01% | 66th pct | 69th pct |
| Net interest margin | 4.81% | 93th pct | 92th pct |
| Cost of funds | 1.26% | 68th pct | 61th pct |
| Loan-to-share | 84.91% | 89th pct | 62th pct |
| Delinquency 60+ days | 0.73% | 56th pct | 77th pct |
| Net charge-off ratio | 0.13% | 36th pct | 28th pct |
| Loan growth YoY | 0.74% | 69th pct | 48th pct |
| Share growth YoY | 3.69% | 61th pct | 61th pct |
| Efficiency ratio | 73.13% | 31th pct | 28th pct |
structural peer set hash: 9ea2fa234fbd9fbadcaaf5a79c88cb3c… (reproducible)
Closest structural peers
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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.