PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Okaloosa County Teachers

Crestview, FL · Charter 13534

NCUA · 5 branches

Q2 2026

$135.3MAssets
$54.9MLoans
$121.2MShares
$12.8MNet 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 0.31%, down 18 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 1.39% of loans (+16 bps YoY).
  • Capital: net worth / assets of 9.46%, down 3 bps from a year ago.
  • Funding: loans stand at 45.30% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.31%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.49%-16 bps YoY

Efficiency Ratio (quarter, annualized)

86.98%+544 bps YoY

Net Worth / Assets

9.46%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.46%0.42%0.31%0.31%-18 bps
Return on Equity5.12%4.73%4.38%3.27%3.25%-187 bps
Net Interest Margin3.65%3.67%3.66%3.46%3.49%-16 bps
Efficiency Ratio81.55%82.60%83.03%87.03%86.98%+544 bps
Growth
Asset Growth (YoY)5.94%4.68%1.89%3.03%3.29%-265 bps
Loan Growth (YoY)-6.29%-8.42%-9.73%-8.30%-5.13%+116 bps
Share Growth (YoY)6.21%4.63%1.78%2.88%3.25%-296 bps
Asset Quality
Delinquent Loans / Loans1.23%1.22%1.62%1.44%1.39%+16 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 Capital9.49%9.62%9.65%9.50%9.46%-3 bps
Net Worth / Assets9.49%9.62%9.65%9.50%9.46%-3 bps
Liquidity & Funding
Loans / Shares49.30%48.27%47.40%45.82%45.30%-400 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps