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 | |