Sand Springs, OK · Charter 24613
NCUA · 3 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 | 0.55% | 0.48% | 0.38% | 0.34% | 0.59% | 0.55% | -0.40% | -0.86% | -119 bps | |
| Return on Equity | 6.91% | 6.06% | 4.68% | 4.09% | 6.68% | 6.01% | -4.47% | -10.11% | -1,419 bps | |
| Net Interest Margin | 2.58% | 2.54% | 2.60% | 2.74% | 2.92% | 3.07% | 3.19% | 3.22% | +48 bps | |
| Efficiency Ratio | 83.79% | 85.84% | 79.05% | 84.57% | 83.47% | 85.82% | 102.99% | 110.80% | +2,623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.49% | -6.74% | -4.81% | -2.93% | -3.82% | -7.82% | -5.16% | 14.11% | +1,704 bps | |
| Loan Growth (YoY) | -7.94% | -9.76% | -9.78% | -9.59% | -8.05% | -7.36% | -6.16% | 14.30% | +2,389 bps | |
| Share Growth (YoY) | -4.55% | -6.78% | -6.20% | -3.83% | -4.56% | -9.25% | -5.54% | 14.31% | +1,814 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.87% | 6.69% | 6.57% | 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 | 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 | 8.01% | 7.99% | 8.17% | 8.25% | 8.85% | 9.22% | 8.96% | 8.47% | +22 bps | |
| Net Worth / Assets | 8.01% | 7.99% | 8.17% | 8.25% | 8.85% | 9.22% | 8.96% | 8.47% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.21% | 69.57% | 69.71% | 66.94% | 69.57% | 71.02% | 69.25% | 66.94% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 99.47% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |