Henryetta, OK · Charter 11057
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.81% | -0.16% | 0.41% | 0.66% | 0.77% | 0.23% | 0.52% | +11 bps | |
| Return on Equity | 7.04% | 6.78% | -1.33% | 3.47% | 5.51% | 6.40% | 1.98% | 4.45% | +98 bps | |
| Net Interest Margin | 4.07% | 4.12% | 4.13% | 4.16% | 4.25% | 4.25% | 4.27% | 4.31% | +15 bps | |
| Efficiency Ratio | 79.61% | 79.35% | 84.39% | 83.51% | 82.12% | 81.16% | 88.53% | 84.71% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 0.31% | -0.04% | 0.33% | 1.66% | 3.97% | 5.26% | 6.16% | +582 bps | |
| Loan Growth (YoY) | 1.31% | 2.37% | 3.06% | 3.53% | 3.95% | 3.11% | 1.75% | 5.13% | +159 bps | |
| Share Growth (YoY) | 1.49% | -1.14% | -0.57% | -0.33% | 1.46% | 4.00% | 5.06% | 6.16% | +648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.93% | 0.89% | 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 | 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 | 11.75% | 11.87% | 11.68% | 11.76% | 12.06% | 12.05% | 11.80% | 11.63% | -13 bps | |
| Net Worth / Assets | 11.75% | 11.87% | 11.68% | 11.76% | 12.06% | 12.05% | 11.80% | 11.63% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.57% | 87.13% | 84.38% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |