Lawton, OK · Charter 16367
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
83
Asset Quality
100
Profitability
63
Liquidity
0
Efficiency
80
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 16367
NCUA · 1 branch
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 | 1.91% | 1.92% | 1.83% | 1.36% | 1.44% | -47 bps | |
| Return on Equity | 10.69% | 10.29% | 9.78% | 7.38% | 7.66% | -302 bps | |
| Net Interest Margin | 3.97% | 4.05% | 3.94% | 3.55% | 3.61% | -36 bps | |
| Efficiency Ratio | 57.30% | 58.53% | 59.69% | 68.30% | 66.37% | +907 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.37% | 0.15% | 1.55% | 3.81% | 4.00% | +163 bps | |
| Loan Growth (YoY) | -8.56% | -13.43% | -8.20% | -4.64% | -2.15% | +640 bps | |
| Share Growth (YoY) | 0.31% | -2.18% | -0.57% | 2.60% | 2.84% | +253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.00% | 0.00% | 0.00% | 0.00% | -21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.91% | 18.71% | 18.73% | 18.48% | 18.78% | +88 bps | |
| Net Worth / Assets | 17.91% | 18.71% | 18.73% | 18.48% | 18.78% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.65% | 23.64% | 23.21% | 22.14% | 22.50% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawton, OK · Charter 16367 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.44%
Rank 274 of 1,683
Net Interest Margin
3.61%
Rank 1,031 of 1,683
Efficiency Ratio
66.28%
Rank 340 of 1,682
Equity / Assets
18.78%
Rank 284 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 0.35% | 0.74% | 1.18% | Beats 84% | 274 / 1,683 | |
| Return on Equity | 7.67% | 2.67% | 5.89% | 8.74% | Beats 67% | 561 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,031 / 1,683 | |
| Efficiency Ratio | 66.28% | 68.91% | 78.20% | 86.93% | Beats 80% | 340 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.78% | 10.44% | 12.89% | 16.53% | Beats 83% | 284 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.78% | 10.44% | 12.89% | 16.53% | Beats 83% | 284 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 22.50% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,640 / 1,683 | |
| Loans / Assets | 18.08% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,644 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||