Tulsa, OK · Charter 24887
NCUA · 22 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
11
Profitability
43
Liquidity
0
Efficiency
64
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 24887
NCUA · 22 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 | 0.29% | 0.28% | 0.25% | 0.76% | 0.91% | +62 bps | |
| Return on Equity | 2.12% | 2.09% | 1.93% | 5.71% | 6.75% | +463 bps | |
| Net Interest Margin | 3.14% | 3.11% | 3.08% | 3.00% | 3.05% | -9 bps | |
| Efficiency Ratio | 65.88% | 66.15% | 66.19% | 68.34% | 67.85% | +197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.79% | 2.40% | 4.75% | 4.25% | 5.49% | +628 bps | |
| Loan Growth (YoY) | -14.86% | -11.89% | -9.99% | -7.16% | -5.76% | +910 bps | |
| Share Growth (YoY) | 0.24% | -0.48% | 0.55% | -0.13% | 1.52% | +128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.46% | 1.56% | 1.32% | 1.49% | -5 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 | 13.78% | 13.42% | 13.09% | 13.23% | 13.45% | -33 bps | |
| Net Worth / Assets | 13.78% | 13.42% | 13.09% | 13.23% | 13.45% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.34% | 59.07% | 57.03% | 55.74% | 55.09% | -426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 24887 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
0.91%
Rank 174 of 435
Net Interest Margin
3.05%
Rank 317 of 435
Efficiency Ratio
67.85%
Rank 158 of 435
Equity / Assets
13.45%
Rank 71 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 174 / 435 | |
| Return on Equity | 6.75% | 5.12% | 7.41% | 9.70% | Beats 42% | 253 / 435 | |
| Net Interest Margin | 3.05% | 3.01% | 3.39% | 3.75% | Beats 27% | 317 / 435 | |
| Efficiency Ratio | 67.85% | 65.25% | 71.39% | 77.86% | Beats 64% | 158 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 0.45% | 0.69% | 1.05% | Beats 11% | 389 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.45% | 9.81% | 10.84% | 12.63% | Beats 84% | 71 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.45% | 9.81% | 10.84% | 12.63% | Beats 84% | 71 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.09% | 78.33% | 88.38% | 95.61% | 4th pctl | 418 / 435 | |
| Loans / Assets | 44.34% | 67.69% | 74.58% | 80.80% | 3rd pctl | 422 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||