Oklahoma City, OK · Charter 24524
NCUA · 32 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
56
Profitability
56
Liquidity
18
Efficiency
58
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 24524
NCUA · 32 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.31% | 0.85% | 0.83% | 0.90% | 0.88% | 0.93% | 0.82% | -1 bps | |
| Return on Equity | 10.68% | 9.49% | 6.18% | 5.98% | 6.38% | 6.10% | 6.39% | 5.57% | -41 bps | |
| Net Interest Margin | 3.53% | 3.52% | 3.51% | 3.56% | 3.63% | 3.75% | 3.94% | 3.99% | +42 bps | |
| Efficiency Ratio | 61.58% | 62.74% | 69.95% | 68.67% | 69.00% | 71.00% | 71.20% | 69.54% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | 1.13% | 1.28% | 2.81% | 2.36% | 0.40% | -0.60% | -0.92% | -373 bps | |
| Loan Growth (YoY) | -5.97% | -6.76% | -5.17% | -3.22% | -1.49% | 0.80% | 2.07% | 4.01% | +723 bps | |
| Share Growth (YoY) | -2.02% | 0.44% | 1.78% | 2.43% | 2.28% | 2.36% | 1.55% | 1.51% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.20% | 0.91% | 0.84% | 0.76% | 0.93% | 0.69% | 0.63% | -21 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 | 13.78% | 13.80% | 13.71% | 13.89% | 14.17% | 14.47% | 14.52% | 14.72% | +83 bps | |
| Net Worth / Assets | 13.78% | 13.80% | 13.71% | 13.89% | 14.17% | 14.47% | 14.52% | 14.72% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.66% | 68.44% | 66.52% | 67.46% | 68.06% | 67.40% | 66.86% | 69.12% | +166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 24524 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
Return on Assets
0.82%
Rank 212 of 435
Net Interest Margin
3.99%
Rank 55 of 435
Efficiency Ratio
69.54%
Rank 183 of 435
Equity / Assets
14.72%
Rank 39 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.55% | 0.81% | 1.14% | Beats 51% | 212 / 435 | ||
| Return on Equity | 5.57% | 5.12% | 7.41% | 9.70% | Beats 31% | 301 / 435 | ||
| Net Interest Margin | 3.99% | 3.01% | 3.39% | 3.75% | Beats 87% | 55 / 435 | ||
| Efficiency Ratio | 69.54% | 65.25% | 71.39% | 77.86% | Beats 58% | 183 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.45% | 0.69% | 1.05% | Beats 56% | 194 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.72% | 9.81% | 10.84% | 12.63% | Beats 91% | 39 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.72% | 9.81% | 10.84% | 12.63% | Beats 91% | 39 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.12% | 78.33% | 88.38% | 95.61% | 12th pctl | 381 / 435 | ||
| Loans / Assets | 58.73% | 67.69% | 74.58% | 80.80% | 13th pctl | 380 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||