PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Correctional Workers

El Reno, OK · Charter 1113

NCUA · 1 branch

Q2 2026

$10.5MAssets
$4.1MLoans
$8.6MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.72%, down 60 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.19% of loans (+14 bps YoY).
  • Capital: net worth / assets of 17.88%, up 240 bps from a year ago.
  • Funding: loans stand at 47.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-15 bps YoY

Efficiency Ratio (YTD, annualized)

81.63%+1,145 bps YoY

Net Worth / Assets

17.88%+240 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.37%1.19%0.85%0.72%-60 bps
Return on Equity8.53%7.99%6.97%4.92%4.03%-450 bps
Net Interest Margin4.22%4.55%4.39%3.98%4.07%-15 bps
Efficiency Ratio70.18%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 / Loans0.05%0.06%0.00%0.00%0.19%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.48%17.20%17.05%17.26%17.88%+240 bps
Net Worth / Assets15.48%17.20%17.05%17.26%17.88%+240 bps
Liquidity & Funding
Loans / Shares47.09%49.46%45.61%46.10%47.77%+68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps