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 | |