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 | |