Henryetta, OK · Charter 11057
NCUA · 7 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 | 0.41% | 0.66% | 0.77% | 0.23% | 0.52% | +11 bps | |
| Return on Equity | 3.47% | 5.51% | 6.40% | 1.98% | 4.45% | +98 bps | |
| Net Interest Margin | 4.16% | 4.25% | 4.25% | 4.27% | 4.31% | +15 bps | |
| Efficiency Ratio | 83.51% | 82.12% | 81.16% | 88.53% | 84.71% | +120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.33% | 1.66% | 3.97% | 5.26% | 6.16% | +582 bps | |
| Loan Growth (YoY) | 3.53% | 3.95% | 3.11% | 1.75% | 5.13% | +159 bps | |
| Share Growth (YoY) | -0.33% | 1.46% | 4.00% | 5.06% | 6.16% | +648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.82% | 1.08% | 0.89% | 0.62% | -69 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 | 11.76% | 12.06% | 12.05% | 11.80% | 11.63% | -13 bps | |
| Net Worth / Assets | 11.76% | 12.06% | 12.05% | 11.80% | 11.63% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.75% | 84.59% | 86.39% | 81.72% | 83.93% | -82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |