Lawton, OK · Charter 10832
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
29
Profitability
62
Liquidity
40
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lawton, OK · Charter 10832
NCUA · 4 branches
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 | 0.79% | 0.80% | 0.77% | 0.01% | 0.81% | +2 bps | |
| Return on Equity | 7.10% | 7.07% | 6.74% | 0.08% | 7.00% | -10 bps | |
| Net Interest Margin | 4.24% | 4.29% | 4.31% | 4.20% | 4.24% | 0 bps | |
| Efficiency Ratio | 68.08% | 68.40% | 68.90% | 81.61% | 72.31% | +423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 3.67% | 4.07% | 2.47% | 2.32% | -118 bps | |
| Loan Growth (YoY) | -9.40% | -10.06% | -8.33% | -5.70% | 1.40% | +1,080 bps | |
| Share Growth (YoY) | 2.31% | 2.72% | 2.59% | 1.44% | 1.52% | -78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.04% | 1.96% | 2.26% | 1.69% | 1.12% | -92 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 | 11.11% | 11.33% | 11.47% | 11.14% | 11.57% | +46 bps | |
| Net Worth / Assets | 11.11% | 11.33% | 11.47% | 11.14% | 11.57% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.10% | 50.27% | 49.83% | 48.20% | 51.04% | -6 bps | |
| Liquid Assets / Assets | 99.72% | 0.00% | 0.00% | 0.00% | 0.00% | -9,972 bps | |
Lawton, OK · Charter 10832 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.81%
Rank 773 of 1,683
Net Interest Margin
4.24%
Rank 474 of 1,683
Efficiency Ratio
72.32%
Rank 551 of 1,682
Equity / Assets
11.57%
Rank 1,065 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 773 / 1,683 | |
| Return on Equity | 7.00% | 2.67% | 5.89% | 8.74% | Beats 61% | 654 / 1,681 | |
| Net Interest Margin | 4.24% | 3.31% | 3.82% | 4.32% | Beats 72% | 474 / 1,683 | |
| Efficiency Ratio | 72.32% | 68.91% | 78.20% | 86.93% | Beats 67% | 551 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.12% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,191 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.57% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,065 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.57% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,065 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.04% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,300 / 1,683 | |
| Loans / Assets | 45.58% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,242 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||