Tulsa, OK · Charter 14610
NCUA · 2 branches
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
1
Asset Quality
57
Profitability
60
Liquidity
47
Efficiency
95
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.
Tulsa, OK · Charter 14610
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 0.71% | 0.01% | 0.55% | 0.52% | -113 bps | |
| Return on Equity | 21.33% | 9.95% | 0.13% | 8.98% | 8.94% | -1,238 bps | |
| Net Interest Margin | 3.60% | 2.95% | 2.49% | 2.57% | 4.03% | +43 bps | |
| Efficiency Ratio | 55.85% | 76.58% | 99.66% | 78.53% | 53.01% | -284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.71% | 3.89% | 4.33% | 11.56% | 14.71% | +1,000 bps | |
| Loan Growth (YoY) | 27.47% | 9.72% | -2.49% | -1.04% | -0.50% | -2,796 bps | |
| Share Growth (YoY) | 4.32% | 4.27% | 4.63% | 12.64% | 17.12% | +1,280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.05% | 3.70% | 7.36% | 6.31% | 0.59% | -446 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 0.54% | 0.62% | 0.56% | 1.46% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.73% | 7.15% | 6.55% | 6.13% | 5.78% | -194 bps | |
| Net Worth / Assets | 7.73% | 7.15% | 6.55% | 6.13% | 5.78% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.35% | 53.77% | 46.11% | 46.58% | 52.97% | -938 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 14610 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.54%
Rank 1,084 of 1,683
Net Interest Margin
4.13%
Rank 568 of 1,683
Efficiency Ratio
52.17%
Rank 80 of 1,682
Equity / Assets
5.75%
Rank 1,673 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,084 / 1,683 | |
| Return on Equity | 9.38% | 2.67% | 5.89% | 8.74% | Beats 79% | 345 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 568 / 1,683 | |
| Efficiency Ratio | 52.17% | 68.91% | 78.20% | 86.93% | Beats 95% | 80 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 730 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.75% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,673 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.75% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,673 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.00% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,252 / 1,683 | |
| Loans / Assets | 49.96% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,125 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||