Bartlesville, OK · Charter 10158
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.12% | 1.21% | 0.60% | 1.17% | +3 bps | |
| Return on Equity | 7.47% | 7.20% | 7.61% | 3.96% | 7.40% | -7 bps | |
| Net Interest Margin | 3.98% | 3.99% | 4.02% | 3.67% | 3.76% | -22 bps | |
| Efficiency Ratio | 71.71% | 71.00% | 70.79% | 74.51% | 69.19% | -252 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.39% | -2.03% | -0.35% | 3.32% | 4.54% | +892 bps | |
| Loan Growth (YoY) | -5.59% | -5.75% | -6.96% | -5.65% | -0.43% | +516 bps | |
| Share Growth (YoY) | -6.45% | -3.67% | -1.97% | 2.54% | 3.93% | +1,038 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.36% | 0.37% | 0.66% | 0.60% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.33% | 15.60% | 15.97% | 15.13% | 15.85% | +51 bps | |
| Net Worth / Assets | 15.33% | 15.60% | 15.97% | 15.13% | 15.85% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.71% | 82.56% | 82.32% | 74.92% | 79.24% | -347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |