Stillwater, OK · Charter 18965
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.46% | 0.35% | 0.53% | 0.69% | 0.78% | 0.55% | 0.71% | +18 bps | |
| Return on Equity | 3.94% | 4.04% | 3.03% | 4.64% | 5.91% | 6.48% | 4.62% | 5.77% | +113 bps | |
| Net Interest Margin | 2.53% | 2.56% | 2.72% | 2.88% | 3.03% | 3.11% | 3.22% | 3.36% | +48 bps | |
| Efficiency Ratio | 80.97% | 81.56% | 86.42% | 78.24% | 75.50% | 74.03% | 75.56% | 72.22% | -602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.18% | 2.42% | 0.78% | 2.01% | 1.50% | 0.87% | 2.54% | -0.27% | -228 bps | |
| Loan Growth (YoY) | -4.88% | -6.14% | -3.81% | 4.51% | 8.93% | 0.43% | -1.77% | -3.36% | -787 bps | |
| Share Growth (YoY) | -1.24% | 0.51% | 5.77% | 7.07% | 5.86% | 5.11% | 3.23% | 0.17% | -690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.47% | 0.09% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.26% | 11.34% | 11.41% | 11.44% | 11.72% | 12.02% | 11.94% | 12.33% | +89 bps | |
| Net Worth / Assets | 11.26% | 11.34% | 11.41% | 11.44% | 11.72% | 12.02% | 11.94% | 12.33% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.24% | 94.47% | 94.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |