Green Country Federal Credit Union
Sand Springs, OK·Charter 24613·cu:24613·Credit union RBC / net worth
- #23 of 52Total assets in Oklahoma
- 11.4Kmembers
- #10 of 1,806Margin improvement in the U.S.
- Top 6%Fee income vs. peers
- #6 of 27Net interest margin in Oklahoma
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Green Country Federal Credit Union
6 of 18 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Delinquent loans falling while the peer median risesStrength: Asset quality 2nd quarter2.75%peers 0.71%+203 bps
Green Country Federal Credit Union's loans 60+ days delinquent as a share of loans fell 356 bps over the past year to 2.75%. Among 770 similar credit unions, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 2.75% | 0.71% | +203 bps |
| 12-month change | ||
| -356 bps | +3 bps | -358 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Country Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter4.14%peers 3.78%+37 bps
Green Country Federal Credit Union's net interest margin on average assets rose 126 bps over the past year to 4.14%. Among 770 similar credit unions, the median rose 10 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 4.14% | 3.78% | +37 bps |
| 12-month change | ||
| +126 bps | +10 bps | +115 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Country Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising faster than peersWorth a look: Efficiency 2nd quarter116.3%peers 76.9%+39.4 pp
Green Country Federal Credit Union's efficiency ratio rose 26.4 percentage points over the past year to 116.3%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 116.3% | 76.9% | +39.4 pp |
| 12-month change | ||
| +26.4 pp | +0.3 pp | +26.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Country Federal Credit Union itself is left out of every peer median and percentile. How signals work
Balance sheet jumped in a single quarterNotable: Growth+20.1%
Green Country Federal Credit Union's total assets rose 20.1% from the previous quarter to $155 million. A jump this large usually reflects a merger or acquisition, so FORFI holds back growth comparisons with peers for this quarter.
| Observed | Change |
|---|---|
| Total assets, change in one quarter | |
| +20.1% | |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Country Federal Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Return on assets falling while the peer median holds steadyEarnings
- Fee and other noninterest income among the highest of similar credit unionsEarnings
Key facts
- Green Country Federal Credit Union is a federally chartered credit union headquartered in Sand Springs, Oklahoma. It reported $155 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $146 million, up 14.3% from a year earlier, and loans totaled $97.4 million, up 14.3%.
- Its net interest margin on average assets was 4.14% and its annualized return on assets was -1.51% for the quarter.
- Its cost of all shares and deposits was 1.97%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 11,402 members, up 18.8% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Green Country Federal Credit Union's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Green Country Federal Credit Union · Credit union
- NCUA charter
- 24613
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Green Country Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$535.73K | |
| $2.12M | |
| $654.16K | |
| $1.47M | |
| $774.1K | |
| $2.61M | |
| $169.23K | |
| $169.23K | |
| -1.51% | |
| 4.14% | |
| 116.33% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.