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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |