PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

2.00%+23 bps YoY

Net Interest Margin (quarter, annualized)

4.85%+24 bps YoY

Efficiency Ratio (quarter, annualized)

60.82%-431 bps YoY

Net Worth / Assets

19.32%+191 bps YoY

Discrete quarter, annualized.

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