Duncan, OK · Charter 13898
NCUA · 3 branches
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 | 0.72% | 0.64% | 0.53% | 1.05% | 0.90% | 0.82% | 0.56% | 0.70% | -34 bps | |
| Return on Equity | 5.39% | 4.73% | 3.97% | 7.58% | 6.38% | 5.93% | 4.21% | 5.14% | -245 bps | |
| Net Interest Margin | 2.69% | 2.73% | 2.74% | 2.83% | 2.87% | 2.81% | 2.85% | 2.92% | +8 bps | |
| Efficiency Ratio | 78.07% | 79.01% | 81.29% | 72.79% | 76.17% | 77.48% | 81.47% | 78.73% | +595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.75% | -1.36% | 0.50% | 0.40% | 0.78% | 4.26% | 5.95% | 5.75% | +535 bps | |
| Loan Growth (YoY) | -3.77% | -3.58% | -4.79% | -1.66% | -2.24% | -0.10% | 1.18% | 1.69% | +335 bps | |
| Share Growth (YoY) | -4.04% | -2.07% | -0.48% | -0.44% | 0.49% | 4.01% | 6.23% | 5.91% | +635 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.12% | 0.29% | 0.28% | 0.17% | 0.26% | 0.18% | 0.21% | -7 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 | 13.39% | 13.55% | 13.38% | 13.81% | 14.03% | 13.79% | 13.39% | 13.69% | -13 bps | |
| Net Worth / Assets | 13.39% | 13.55% | 13.38% | 13.81% | 14.03% | 13.79% | 13.39% | 13.69% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.96% | 70.66% | 66.09% | 69.20% | 67.08% | 67.86% | 62.95% | 66.44% | -276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |