Stillwater, OK · Charter 18965
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
44
Asset Quality
61
Profitability
41
Liquidity
0
Efficiency
68
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.
Stillwater, OK · Charter 18965
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 | 0.53% | 0.69% | 0.78% | 0.55% | 0.71% | +18 bps | |
| Return on Equity | 4.64% | 5.91% | 6.48% | 4.62% | 5.77% | +113 bps | |
| Net Interest Margin | 2.88% | 3.03% | 3.11% | 3.22% | 3.36% | +48 bps | |
| Efficiency Ratio | 78.24% | 75.50% | 74.03% | 75.56% | 72.22% | -602 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.01% | 1.50% | 0.87% | 2.54% | -0.27% | -228 bps | |
| Loan Growth (YoY) | 4.51% | 8.93% | 0.43% | -1.77% | -3.36% | -787 bps | |
| Share Growth (YoY) | 7.07% | 5.86% | 5.11% | 3.23% | 0.17% | -690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.30% | 0.25% | 0.49% | 0.48% | +17 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 | 11.44% | 11.72% | 12.02% | 11.94% | 12.33% | +89 bps | |
| Net Worth / Assets | 11.44% | 11.72% | 12.02% | 11.94% | 12.33% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.37% | 96.97% | 90.27% | 90.01% | 93.94% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Stillwater, OK · Charter 18965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.71%
Rank 867 of 1,683
Net Interest Margin
3.36%
Rank 1,235 of 1,683
Efficiency Ratio
72.22%
Rank 545 of 1,682
Equity / Assets
12.33%
Rank 946 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 867 / 1,683 | |
| Return on Equity | 5.77% | 2.67% | 5.89% | 8.74% | Beats 49% | 861 / 1,681 | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,235 / 1,683 | |
| Efficiency Ratio | 72.22% | 68.91% | 78.20% | 86.93% | Beats 68% | 545 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 659 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.33% | 10.44% | 12.89% | 16.53% | Beats 44% | 946 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.33% | 10.44% | 12.89% | 16.53% | Beats 44% | 946 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.94% | 52.61% | 69.38% | 83.50% | 92nd pctl | 135 / 1,683 | |
| Loans / Assets | 76.85% | 44.71% | 59.18% | 70.72% | 87th pctl | 221 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||