El Reno, OK · Charter 1113
NCUA · 1 branch
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 in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
88
Profitability
59
Liquidity
0
Efficiency
65
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.
El Reno, OK · Charter 1113
NCUA · 1 branch
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 | 1.32% | 1.37% | 1.19% | 0.85% | 0.72% | -60 bps | |
| Return on Equity | 8.53% | 7.99% | 6.97% | 4.92% | 4.03% | -450 bps | |
| Net Interest Margin | 4.22% | 4.55% | 4.39% | 3.98% | 4.07% | -15 bps | |
| Efficiency Ratio | 70.18% | 71.23% | 74.27% | 80.24% | 81.63% | +1,145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 1.96% | -3.27% | -6.69% | -8.90% | -1,497 bps | |
| Loan Growth (YoY) | -4.18% | -10.32% | -14.46% | -12.69% | -9.98% | -580 bps | |
| Share Growth (YoY) | 7.52% | 1.66% | -5.42% | -8.69% | -11.27% | -1,880 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.06% | 0.00% | 0.00% | 0.19% | +14 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 | 15.48% | 17.20% | 17.05% | 17.26% | 17.88% | +240 bps | |
| Net Worth / Assets | 15.48% | 17.20% | 17.05% | 17.26% | 17.88% | +240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.09% | 49.46% | 45.61% | 46.10% | 47.77% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Reno, OK · Charter 1113 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 1 branch
Q2 2026
Return on Assets
0.73%
Rank 6 of 17
Net Interest Margin
4.07%
Rank 7 of 17
Efficiency Ratio
81.39%
Rank 7 of 17
Equity / Assets
17.88%
Rank 4 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.09% | 0.50% | 0.87% | Beats 65% | 6 / 17 | |
| Return on Equity | 4.06% | 0.57% | 3.59% | 5.86% | Beats 53% | 8 / 17 | |
| Net Interest Margin | 4.07% | 3.47% | 3.95% | 4.62% | Beats 59% | 7 / 17 | |
| Efficiency Ratio | 81.39% | 72.40% | 84.09% | 93.29% | Beats 65% | 7 / 17 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.24% | 0.51% | 0.96% | Beats 88% | 3 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.88% | 9.54% | 12.63% | 17.12% | Beats 76% | 4 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.88% | 9.54% | 12.63% | 17.12% | Beats 76% | 4 / 17 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.77% | 65.22% | 80.30% | 85.86% | 6th pctl | 16 / 17 | |
| Loans / Assets | 39.18% | 51.37% | 68.04% | 74.15% | 6th pctl | 16 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||