Sand Springs, OK · Charter 24613
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
9
Profitability
10
Liquidity
92
Efficiency
4
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.
Sand Springs, OK · Charter 24613
NCUA · 3 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 | 0.34% | 0.59% | 0.55% | -0.40% | -0.86% | -119 bps | |
| Return on Equity | 4.09% | 6.68% | 6.01% | -4.47% | -10.11% | -1,419 bps | |
| Net Interest Margin | 2.74% | 2.92% | 3.07% | 3.19% | 3.22% | +48 bps | |
| Efficiency Ratio | 84.57% | 83.47% | 85.82% | 102.99% | 110.80% | +2,623 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.93% | -3.82% | -7.82% | -5.16% | 14.11% | +1,704 bps | |
| Loan Growth (YoY) | -9.59% | -8.05% | -7.36% | -6.16% | 14.30% | +2,389 bps | |
| Share Growth (YoY) | -3.83% | -4.56% | -9.25% | -5.54% | 14.31% | +1,814 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.30% | 6.09% | 6.56% | 4.98% | 2.75% | -356 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 | 8.25% | 8.85% | 9.22% | 8.96% | 8.47% | +22 bps | |
| Net Worth / Assets | 8.25% | 8.85% | 9.22% | 8.96% | 8.47% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.94% | 69.57% | 71.02% | 69.25% | 66.94% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sand Springs, OK · Charter 24613 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.86%
Rank 1,604 of 1,683
Net Interest Margin
3.22%
Rank 1,323 of 1,683
Efficiency Ratio
110.80%
Rank 1,616 of 1,682
Equity / Assets
8.47%
Rank 1,575 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.86% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,604 / 1,683 | |
| Return on Equity | -10.10% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,620 / 1,681 | |
| Net Interest Margin | 3.22% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,323 / 1,683 | |
| Efficiency Ratio | 110.80% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,616 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.75% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,532 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.47% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,575 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.47% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,575 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.94% | 52.61% | 69.38% | 83.50% | 45th pctl | 919 / 1,683 | |
| Loans / Assets | 62.69% | 44.71% | 59.18% | 70.72% | 58th pctl | 708 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||