Tulsa, OK · Charter 24887
NCUA · 22 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 | -0.13% | -0.08% | 0.03% | 0.29% | 0.28% | 0.25% | 0.76% | 0.91% | +62 bps | |
| Return on Equity | -0.92% | -0.58% | 0.24% | 2.12% | 2.09% | 1.93% | 5.71% | 6.75% | +463 bps | |
| Net Interest Margin | 3.15% | 3.17% | 3.07% | 3.14% | 3.11% | 3.08% | 3.00% | 3.05% | -9 bps | |
| Efficiency Ratio | 69.45% | 68.49% | 66.16% | 65.88% | 66.15% | 66.19% | 68.34% | 67.85% | +197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 0.14% | -0.44% | -0.79% | 2.40% | 4.75% | 4.25% | 5.49% | +628 bps | |
| Loan Growth (YoY) | -14.31% | -15.75% | -16.82% | -14.86% | -11.89% | -9.99% | -7.16% | -5.76% | +910 bps | |
| Share Growth (YoY) | 2.77% | 2.97% | 1.55% | 0.24% | -0.48% | 0.55% | -0.13% | 1.52% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.89% | 1.46% | 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 | 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 | 13.71% | 13.64% | 13.53% | 13.78% | 13.42% | 13.09% | 13.23% | 13.45% | -33 bps | |
| Net Worth / Assets | 13.71% | 13.64% | 13.53% | 13.78% | 13.42% | 13.09% | 13.23% | 13.45% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.73% | 63.71% | 59.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |