Tulsa, OK · Charter 24812
NCUA · 15 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
16
Asset Quality
9
Profitability
22
Liquidity
34
Efficiency
29
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.
Tulsa, OK · Charter 24812
NCUA · 15 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 | -0.67% | -0.82% | -0.14% | -0.05% | 0.19% | 0.18% | 0.27% | 0.17% | +22 bps | |
| Return on Equity | -6.83% | -8.39% | -1.51% | -0.56% | 1.98% | 1.84% | 2.83% | 1.78% | +234 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.04% | 3.25% | 3.37% | 3.45% | 3.42% | 3.44% | +19 bps | |
| Efficiency Ratio | 107.00% | 102.44% | 93.26% | 89.22% | 83.89% | 83.16% | 85.49% | 85.09% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | -4.28% | -5.49% | -6.03% | -0.48% | 1.22% | 0.59% | 1.44% | +747 bps | |
| Loan Growth (YoY) | 2.03% | 0.07% | 0.23% | 1.80% | 1.97% | 1.98% | 0.85% | -2.45% | -425 bps | |
| Share Growth (YoY) | 1.19% | -2.77% | -3.57% | -3.51% | -0.88% | 0.78% | 0.48% | 1.83% | +534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 2.31% | 2.91% | 3.21% | 2.75% | 2.66% | 1.37% | 2.77% | -44 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 | 9.87% | 9.74% | 9.55% | 9.65% | 9.68% | 9.72% | 9.69% | 9.55% | -10 bps | |
| Net Worth / Assets | 9.87% | 9.74% | 9.55% | 9.65% | 9.68% | 9.72% | 9.69% | 9.55% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.00% | 85.67% | 84.10% | 88.12% | 87.44% | 86.69% | 84.41% | 84.42% | -370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 24812 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 15 branches
Q2 2026
Return on Assets
0.17%
Rank 1,408 of 1,683
Net Interest Margin
3.44%
Rank 1,167 of 1,683
Efficiency Ratio
85.09%
Rank 1,190 of 1,682
Equity / Assets
9.55%
Rank 1,419 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,408 / 1,683 | n/a | |
| Return on Equity | 1.78% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,363 / 1,681 | n/a | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,167 / 1,683 | n/a | |
| Efficiency Ratio | 85.09% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,190 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.77% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,536 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.55% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,419 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.55% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,419 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.42% | 52.61% | 69.38% | 83.50% | 77th pctl | 393 / 1,683 | n/a | |
| Loans / Assets | 75.82% | 44.71% | 59.18% | 70.72% | 85th pctl | 256 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||