Oklahoma City, OK · Charter 17218
NCUA · 5 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 in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
100
Profitability
22
Liquidity
0
Efficiency
6
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.
Oklahoma City, OK · Charter 17218
NCUA · 5 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 | 0.35% | 0.59% | 0.14% | -0.28% | -0.12% | -47 bps | |
| Return on Equity | 3.05% | 4.99% | 1.14% | -2.52% | -1.05% | -410 bps | |
| Net Interest Margin | 4.19% | 4.59% | 4.44% | 3.77% | 3.87% | -32 bps | |
| Efficiency Ratio | 91.93% | 89.04% | 96.82% | 106.01% | 102.44% | +1,050 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.16% | 1.29% | -3.42% | -1.18% | 0.04% | +220 bps | |
| Loan Growth (YoY) | -14.79% | -11.41% | -9.38% | -13.11% | -18.69% | -390 bps | |
| Share Growth (YoY) | -2.83% | 1.62% | -2.45% | 0.59% | 1.81% | +464 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 11.61% | 11.77% | 11.95% | 11.33% | 11.50% | -11 bps | |
| Net Worth / Assets | 11.61% | 11.77% | 11.95% | 11.33% | 11.50% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.69% | 34.58% | 33.63% | 29.22% | 27.71% | -699 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 17218 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.13%
Rank 15 of 17
Net Interest Margin
3.88%
Rank 10 of 17
Efficiency Ratio
102.25%
Rank 17 of 17
Equity / Assets
11.50%
Rank 10 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | 0.09% | 0.50% | 0.87% | Beats 12% | 15 / 17 | |
| Return on Equity | -1.09% | 0.57% | 3.59% | 5.86% | Beats 12% | 15 / 17 | |
| Net Interest Margin | 3.88% | 3.47% | 3.95% | 4.62% | Beats 41% | 10 / 17 | |
| Efficiency Ratio | 102.25% | 72.40% | 84.09% | 93.29% | Beats 6% | 17 / 17 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 0.96% | Beats 100% | 1 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.50% | 9.54% | 12.63% | 17.12% | Beats 41% | 10 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.50% | 9.54% | 12.63% | 17.12% | Beats 41% | 10 / 17 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.71% | 65.22% | 80.30% | 85.86% | 0th pctl | 17 / 17 | |
| Loans / Assets | 24.77% | 51.37% | 68.04% | 74.15% | 0th pctl | 17 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||