Bartlesville, OK · Charter 10158
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.30% | 0.93% | 1.15% | 1.12% | 1.21% | 0.60% | 1.17% | +3 bps | |
| Return on Equity | 8.57% | 8.82% | 6.42% | 7.47% | 7.20% | 7.61% | 3.96% | 7.40% | -7 bps | |
| Net Interest Margin | 3.63% | 3.76% | 3.86% | 3.98% | 3.99% | 4.02% | 3.67% | 3.76% | -22 bps | |
| Efficiency Ratio | 72.91% | 71.86% | 77.61% | 71.71% | 71.00% | 70.79% | 74.51% | 69.19% | -252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.58% | -1.49% | 2.08% | -4.39% | -2.03% | -0.35% | 3.32% | 4.54% | +892 bps | |
| Loan Growth (YoY) | -9.49% | -6.73% | -4.27% | -5.59% | -5.75% | -6.96% | -5.65% | -0.43% | +516 bps | |
| Share Growth (YoY) | -3.45% | -3.25% | 0.79% | -6.45% | -3.67% | -1.97% | 2.54% | 3.93% | +1,038 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.34% | 0.52% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.11% | 14.72% | 14.55% | 15.33% | 15.60% | 15.97% | 15.13% | 15.85% | +51 bps | |
| Net Worth / Assets | 14.11% | 14.72% | 14.55% | 15.33% | 15.60% | 15.97% | 15.13% | 15.85% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.38% | 86.73% | 81.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |