O Bee

Lacey, WA · 2 · Charter #60059 · www.obee.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$651.8M
73th percentile
Members
35,622
66th percentile
Total loans
$580.7M
88th percentile
Total shares
$540.0M
72th percentile

Profitability

Return on assets
1.02%
54th percentile
Net interest margin
4.39%
93th percentile
Efficiency ratio
56.77%
61th percentile
Non-interest income ratio
17.29%
39th percentile

Capital & Risk

Net worth ratio
8.49%
10th percentile
Delinquency rate
0.76%
45th percentile
Net charge-off rate
0.79%
19th percentile
Loan-to-share
107.54%
96th percentile

Growth

Member growth YoY
2.48%
73th percentile
Asset growth YoY
4.57%
45th percentile
Loan growth YoY
10.26%
83th percentile
Share growth YoY
4.49%
48th percentile

Operations

Members / branch
5,937
72th percentile
Assets / member
$18,297
66th percentile
Field of membership penetration
0.44%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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