Lawton, OK · Charter 12271
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 (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.
Capital
85
Asset Quality
39
Profitability
90
Liquidity
56
Efficiency
88
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.
Lawton, OK · Charter 12271
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.51% | 1.66% | 1.77% | 1.81% | 1.83% | 1.84% | 2.00% | +23 bps | |
| Return on Equity | 9.25% | 8.89% | 9.63% | 10.17% | 10.14% | 9.99% | 9.86% | 10.35% | +17 bps | |
| Net Interest Margin | 4.35% | 4.35% | 4.53% | 4.60% | 4.67% | 4.70% | 4.76% | 4.85% | +24 bps | |
| Efficiency Ratio | 68.53% | 68.26% | 67.60% | 65.14% | 64.12% | 63.28% | 62.67% | 60.82% | -431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.86% | 0.11% | 3.48% | 5.84% | 5.18% | 2.68% | 2.84% | 0.20% | -563 bps | |
| Loan Growth (YoY) | -8.77% | -0.73% | -0.73% | -1.93% | 8.03% | 4.80% | 10.14% | 6.48% | +841 bps | |
| Share Growth (YoY) | -8.70% | -2.00% | 1.36% | 4.25% | 3.60% | 0.22% | 0.86% | -2.64% | -689 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.18% | 1.05% | 0.76% | 0.99% | 0.77% | 0.63% | 0.88% | +11 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 | 16.96% | 16.97% | 17.25% | 17.41% | 17.83% | 18.36% | 18.64% | 19.32% | +191 bps | |
| Net Worth / Assets | 16.96% | 16.97% | 17.25% | 17.41% | 17.83% | 18.36% | 18.64% | 19.32% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.35% | 74.78% | 71.76% | 72.50% | 76.49% | 78.20% | 78.36% | 79.28% | +679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawton, OK · Charter 12271 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.00% | 0.35% | 0.74% | 1.18% | Beats 95% | 77 / 1,683 | ||
| Return on Equity | 10.35% | 2.67% | 5.89% | 8.74% | Beats 85% | 253 / 1,681 | ||
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 187 / 1,683 | ||
| Efficiency Ratio | 60.81% | 68.91% | 78.20% | 86.93% | Beats 88% | 198 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,021 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.32% | 10.44% | 12.89% | 16.53% | Beats 85% | 255 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.32% | 10.44% | 12.89% | 16.53% | Beats 85% | 255 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.28% | 52.61% | 69.38% | 83.50% | 68th pctl | 538 / 1,683 | ||
| Loans / Assets | 64.08% | 44.71% | 59.18% | 70.72% | 61st pctl | 657 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||