PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

OK

Bartlesville, OK · Charter 10158

NCUA · 1 branch

Q2 2026

$26.4MAssets
$17.5MLoans
$22.1MShares
$4.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.17%, up 3 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.60% of loans (-7 bps YoY).
  • Capital: net worth / assets of 15.85%, up 51 bps from a year ago.
  • Funding: loans stand at 79.24% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-22 bps YoY

Efficiency Ratio (quarter, annualized)

69.19%-252 bps YoY

Net Worth / Assets

15.85%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.12%1.21%0.60%1.17%+3 bps
Return on Equity7.47%7.20%7.61%3.96%7.40%-7 bps
Net Interest Margin3.98%3.99%4.02%3.67%3.76%-22 bps
Efficiency Ratio71.71%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 / Loans0.66%0.36%0.37%0.66%0.60%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.33%15.60%15.97%15.13%15.85%+51 bps
Net Worth / Assets15.33%15.60%15.97%15.13%15.85%+51 bps
Liquidity & Funding
Loans / Shares82.71%82.56%82.32%74.92%79.24%-347 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps