MUSKOGEE
Charter #946 · Muskogee, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.92% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.23% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.82% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 69th — a 61-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 | MUSKOGEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $111.72M | 8th pct | 69th pct |
| Members | 8,191 | 20th pct | 57th pct |
| Net worth ratio | 12.46% | 63th pct | 43th pct |
| Return on average assets | 1.92% | 95th pct | 90th pct |
| Net interest margin | 3.80% | 60th pct | 62th pct |
| Cost of funds | 0.61% | 23th pct | 48th pct |
| Loan-to-share | 37.70% | 4th pct | 21th pct |
| Delinquency 60+ days | 0.23% | 16th pct | 16th pct |
| Net charge-off ratio | 0.24% | 36th pct | 38th pct |
| Loan growth YoY | -2.98% | 17th pct | 38th pct |
| Share growth YoY | 4.45% | 64th pct | 51th pct |
| Efficiency ratio | 60.82% | 9th pct | 16th pct |
structural peer set hash: fb6499e7390b155c2aef5fbf93831139… (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.