Southwest Oklahoma

Lawton, OK · 1 · Charter #12271 · www.swofcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$116.2M
55th percentile
Members
4,884
23th percentile
Total loans
$74.7M
61th percentile
Total shares
$95.5M
53th percentile

Profitability

Return on assets
1.94%
91th percentile
Net interest margin
4.70%
92th percentile
Efficiency ratio
58.15%
64th percentile
Non-interest income ratio
10.21%
16th percentile

Capital & Risk

Net worth ratio
18.36%
90th percentile
Delinquency rate
0.77%
47th percentile
Net charge-off rate
0.23%
62th percentile
Loan-to-share
78.20%
67th percentile

Growth

Member growth YoY
-1.89%
35th percentile
Asset growth YoY
2.68%
39th percentile
Loan growth YoY
4.80%
70th percentile
Share growth YoY
0.22%
25th percentile

Operations

Members / branch
2,442
34th percentile
Assets / member
$23,790
92th percentile
Field of membership penetration
9.77%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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