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Southwest Oklahoma

Lawton, OK · Charter 12271

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Oklahoma

Lawton, OK · Charter 12271

NCUA · 1 branch

Q2 2026

$116.4MAssets
$74.6MLoans
$94.1MShares
$22.5MNet 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 2.00%, up 23 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.88% of loans (+11 bps YoY).
  • Capital: net worth / assets of 19.32%, up 191 bps from a year ago.
  • Funding: loans stand at 79.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.00%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+24 bps YoY

Efficiency Ratio (YTD, annualized)

60.82%-431 bps YoY

Net Worth / Assets

19.32%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.81%1.83%1.84%2.00%+23 bps
Return on Equity10.17%10.14%9.99%9.86%10.35%+17 bps
Net Interest Margin4.60%4.67%4.70%4.76%4.85%+24 bps
Efficiency Ratio65.14%64.12%63.28%62.67%60.82%-431 bps
Growth
Asset Growth (YoY)5.84%5.18%2.68%2.84%0.20%-563 bps
Loan Growth (YoY)-1.93%8.03%4.80%10.14%6.48%+841 bps
Share Growth (YoY)4.25%3.60%0.22%0.86%-2.64%-689 bps
Asset Quality
Delinquent Loans / Loans0.76%0.99%0.77%0.63%0.88%+11 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 Capital17.41%17.83%18.36%18.64%19.32%+191 bps
Net Worth / Assets17.41%17.83%18.36%18.64%19.32%+191 bps
Liquidity & Funding
Loans / Shares72.50%76.49%78.20%78.36%79.28%+679 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southwest Oklahoma

Lawton, OK · Charter 12271 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$116.4MAssets
$74.6MLoans
$94.1MShares
$22.5MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 77 of 1683).
  • Widest gap: nonperforming loans / loans trails 61% of credit unions under $1B in assets (rank 1021 of 1682).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.00%

Rank 77 of 1,683

Net Interest Margin

4.85%

Rank 187 of 1,683

Efficiency Ratio

60.81%

Rank 198 of 1,682

Equity / Assets

19.32%

Rank 255 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.35%0.74%1.18%Beats 95%77 / 1,683
Return on Equity10.35%2.67%5.89%8.74%Beats 85%253 / 1,681
Net Interest Margin4.85%3.31%3.82%4.32%Beats 89%187 / 1,683
Efficiency Ratio60.81%68.91%78.20%86.93%Beats 88%198 / 1,682
Asset Quality
Nonperforming Loans / Loans0.88%0.26%0.65%1.29%Beats 39%1,021 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.32%10.44%12.89%16.53%Beats 85%255 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.32%10.44%12.89%16.53%Beats 85%255 / 1,683
Liquidity & Funding
Loans / Deposits79.28%52.61%69.38%83.50%68th pctl538 / 1,683
Loans / Assets64.08%44.71%59.18%70.72%61st pctl657 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution