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Otoe-Missouria

Red Rock, OK · Charter 24910

NCUA · 1 branch

Q2 2026

$3.5MAssets
$1.9MLoans
$3.1MShares
$317KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.74%, down 378 bps year over year; NIM at 6.25%.
  • Asset quality: problem loans at 4.55% of loans (-120 bps YoY).
  • Capital: net worth / assets of 9.17%, down 255 bps from a year ago.
  • Funding: loans stand at 62.02% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-3.74%-378 bps YoY

Net Interest Margin (quarter, annualized)

6.25%-128 bps YoY

Efficiency Ratio (quarter, annualized)

110.96%+2,101 bps YoY

Net Worth / Assets

9.17%-255 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.03%-0.47%-5.08%-3.74%-378 bps
Return on Equity0.35%0.28%-4.31%-52.34%-40.74%-4,110 bps
Net Interest Margin7.52%7.32%7.14%6.31%6.25%-128 bps
Efficiency Ratio89.95%90.13%93.86%113.68%110.96%+2,101 bps
Growth
Asset Growth (YoY)2.46%-0.32%1.29%-1.09%1.61%-85 bps
Loan Growth (YoY)-10.12%-12.84%-13.91%-16.06%-13.28%-316 bps
Share Growth (YoY)2.35%-0.86%2.19%0.54%4.88%+253 bps
Asset Quality
Delinquent Loans / Loans5.75%4.80%4.10%3.76%4.55%-120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.72%11.57%10.94%9.71%9.17%-255 bps
Net Worth / Assets11.72%11.57%10.94%9.71%9.17%-255 bps
Liquidity & Funding
Loans / Shares75.00%73.22%67.98%64.85%62.02%-1,299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps