PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oak Cliff Christian

Dallas, TX · Charter 24804

NCUA · 1 branch

Q2 2026

$7.8MAssets
$6.2MLoans
$7.2MShares
$561KNet 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 0.92%, up 17 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 0.78% of loans (+78 bps YoY).
  • Capital: net worth / assets of 7.22%, up 136 bps from a year ago.
  • Funding: loans stand at 85.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.84%+84 bps YoY

Efficiency Ratio (YTD, annualized)

84.20%-347 bps YoY

Net Worth / Assets

7.22%+136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%2.33%1.87%1.12%0.92%+17 bps
Return on Equity12.87%33.20%27.35%16.22%12.76%-11 bps
Net Interest Margin4.00%3.94%3.73%3.98%4.84%+84 bps
Efficiency Ratio87.68%69.40%75.82%90.93%84.20%-347 bps
Growth
Asset Growth (YoY)-3.89%11.62%12.87%12.72%11.62%+1,551 bps
Loan Growth (YoY)6.25%1.93%6.16%5.25%3.70%-255 bps
Share Growth (YoY)-2.47%11.47%10.18%12.47%12.61%+1,508 bps
Asset Quality
Delinquent Loans / Loans0.00%0.15%0.00%0.00%0.78%+78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.83%1.77%1.64%1.54%1.52%-31 bps
Capital
Risk-Based Capital5.86%7.01%6.85%6.93%7.22%+136 bps
Net Worth / Assets5.86%7.01%6.85%6.93%7.22%+136 bps
Liquidity & Funding
Loans / Shares93.26%89.62%87.03%86.54%85.88%-738 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps