PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tinker

Oklahoma City, OK · Charter 24524

NCUA · 32 branches

Q2 2026

$6.1BAssets
$3.6BLoans
$5.2BShares
$900.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.82%, down 1 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.63% of loans (-21 bps YoY).
  • Capital: net worth / assets of 14.72%, up 83 bps from a year ago.
  • Funding: loans stand at 69.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+42 bps YoY

Efficiency Ratio (YTD, annualized)

69.54%+87 bps YoY

Net Worth / Assets

14.72%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%0.88%0.93%0.82%-1 bps
Return on Equity5.98%6.38%6.10%6.39%5.57%-41 bps
Net Interest Margin3.56%3.63%3.75%3.94%3.99%+42 bps
Efficiency Ratio68.67%69.00%71.00%71.20%69.54%+87 bps
Growth
Asset Growth (YoY)2.81%2.36%0.40%-0.60%-0.92%-373 bps
Loan Growth (YoY)-3.22%-1.49%0.80%2.07%4.01%+723 bps
Share Growth (YoY)2.43%2.28%2.36%1.55%1.51%-92 bps
Asset Quality
Delinquent Loans / Loans0.84%0.76%0.93%0.69%0.63%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.89%14.17%14.47%14.52%14.72%+83 bps
Net Worth / Assets13.89%14.17%14.47%14.52%14.72%+83 bps
Liquidity & Funding
Loans / Shares67.46%68.06%67.40%66.86%69.12%+166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps