Oklahoma City, OK · Charter 24899
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 $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
83
Asset Quality
54
Profitability
35
Liquidity
27
Efficiency
54
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.
Oklahoma City, OK · Charter 24899
NCUA · 15 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 | 0.61% | 0.67% | 0.76% | 0.78% | 0.82% | +21 bps | |
| Return on Equity | 4.59% | 5.04% | 5.62% | 5.91% | 6.11% | +152 bps | |
| Net Interest Margin | 2.64% | 2.68% | 2.73% | 2.87% | 2.92% | +28 bps | |
| Efficiency Ratio | 74.94% | 73.84% | 72.38% | 70.90% | 70.61% | -433 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.24% | 6.13% | 7.85% | 6.79% | 3.30% | -94 bps | |
| Loan Growth (YoY) | 1.78% | 3.80% | 4.93% | 6.80% | 5.81% | +403 bps | |
| Share Growth (YoY) | 5.40% | 6.86% | 8.45% | 8.27% | 4.14% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.70% | 0.70% | 0.63% | 0.64% | -1 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 | 13.25% | 13.37% | 13.57% | 13.27% | 13.45% | +20 bps | |
| Net Worth / Assets | 13.25% | 13.37% | 13.57% | 13.27% | 13.45% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.05% | 96.74% | 97.58% | 97.70% | 98.60% | +156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 24899 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.82%
Rank 209 of 435
Net Interest Margin
2.92%
Rank 354 of 435
Efficiency Ratio
70.61%
Rank 199 of 435
Equity / Assets
13.45%
Rank 72 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.55% | 0.81% | 1.14% | Beats 52% | 209 / 435 | |
| Return on Equity | 6.11% | 5.12% | 7.41% | 9.70% | Beats 35% | 281 / 435 | |
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 19% | 354 / 435 | |
| Efficiency Ratio | 70.61% | 65.25% | 71.39% | 77.86% | Beats 54% | 199 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.45% | 0.69% | 1.05% | Beats 54% | 201 / 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 83% | 72 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.45% | 9.81% | 10.84% | 12.63% | Beats 83% | 72 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.60% | 78.33% | 88.38% | 95.61% | 81st pctl | 84 / 435 | |
| Loans / Assets | 71.90% | 67.69% | 74.58% | 80.80% | 39th pctl | 267 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||