EMPLOYEES
Charter #9715 · TULSA, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.16% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.08% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.42% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.42% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.55% sits at the 77th percentile of structural peers — worth a closer look.
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 | EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.09M | 98th pct | 66th pct |
| Members | 3,434 | 84th pct | 62th pct |
| Net worth ratio | 8.16% | 5th pct | 0th pct |
| Return on average assets | -0.08% | 16th pct | 13th pct |
| Net interest margin | 4.02% | 58th pct | 67th pct |
| Cost of funds | 1.42% | 76th pct | 77th pct |
| Loan-to-share | 60.78% | 56th pct | 57th pct |
| Delinquency 60+ days | 1.42% | 77th pct | 75th pct |
| Net charge-off ratio | 0.55% | 73th pct | 77th pct |
| Loan growth YoY | -0.47% | 67th pct | 66th pct |
| Share growth YoY | 1.17% | 37th pct | 28th pct |
| Efficiency ratio | 96.82% | 85th pct | 89th pct |
structural peer set hash: b0ba105fde0a924d3f799b12e4f5c457… (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.