Oak Farms Employees

HOUSTON, TX · 2 · Charter #67624 · www.ofecu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.2M
21th percentile
Members
745
27th percentile
Total loans
$2.7M
28th percentile
Total shares
$3.0M
20th percentile

Profitability

Return on assets
0.22%
24th percentile
Net interest margin
6.11%
95th percentile
Efficiency ratio
83.91%
18th percentile
Non-interest income ratio
18.87%
80th percentile

Capital & Risk

Net worth ratio
27.61%
90th percentile
Delinquency rate
5.53%
6th percentile
Net charge-off rate
1.02%
17th percentile
Loan-to-share
89.24%
87th percentile

Growth

Member growth YoY
-5.34%
16th percentile
Asset growth YoY
-3.48%
22th percentile
Loan growth YoY
-10.83%
22th percentile
Share growth YoY
-1.83%
36th percentile

Operations

Members / branch
373
17th percentile
Assets / member
$5,573
20th percentile
Field of membership penetration
49.67%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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