Ada, OK · Charter 24843
NCUA · 2 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
68
Profitability
52
Liquidity
36
Efficiency
26
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.
Ada, OK · Charter 24843
NCUA · 2 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 | 0.53% | 0.43% | 0.55% | 0.91% | 0.40% | -14 bps | |
| Return on Equity | 6.93% | 5.39% | 6.90% | 10.88% | 4.75% | -219 bps | |
| Net Interest Margin | 4.44% | 4.69% | 4.66% | 4.60% | 4.74% | +30 bps | |
| Efficiency Ratio | 90.46% | 89.13% | 87.96% | 84.33% | 86.68% | -379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.85% | 10.43% | 6.36% | -0.57% | -2.77% | -1,162 bps | |
| Loan Growth (YoY) | 4.15% | 5.21% | -1.19% | -4.63% | -3.38% | -753 bps | |
| Share Growth (YoY) | 10.27% | 12.46% | 6.41% | -0.94% | -3.84% | -1,411 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.47% | 0.11% | 0.00% | 0.38% | +22 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 | 7.72% | 8.02% | 8.03% | 8.33% | 8.37% | +65 bps | |
| Net Worth / Assets | 7.72% | 8.02% | 8.03% | 8.33% | 8.37% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.53% | 87.00% | 84.28% | 81.61% | 83.93% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ada, OK · Charter 24843 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.41%
Rank 1,220 of 1,683
Net Interest Margin
4.74%
Rank 235 of 1,683
Efficiency Ratio
86.59%
Rank 1,248 of 1,682
Equity / Assets
8.37%
Rank 1,590 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,220 / 1,683 | |
| Return on Equity | 4.86% | 2.67% | 5.89% | 8.74% | Beats 42% | 968 / 1,681 | |
| Net Interest Margin | 4.74% | 3.31% | 3.82% | 4.32% | Beats 86% | 235 / 1,683 | |
| Efficiency Ratio | 86.59% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,248 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 543 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.37% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,590 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.37% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,590 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.94% | 52.61% | 69.38% | 83.50% | 76th pctl | 406 / 1,683 | |
| Loans / Assets | 72.46% | 44.71% | 59.18% | 70.72% | 78th pctl | 362 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||