Red Rock, OK · Charter 24910
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.84% | -0.01% | 0.04% | 0.03% | -0.47% | -5.08% | -3.74% | -378 bps | |
| Return on Equity | 8.52% | 7.31% | -0.13% | 0.35% | 0.28% | -4.31% | -52.34% | -40.74% | -4,110 bps | |
| Net Interest Margin | 7.81% | 7.84% | 7.50% | 7.52% | 7.32% | 7.14% | 6.31% | 6.25% | -128 bps | |
| Efficiency Ratio | 81.92% | 83.30% | 92.21% | 89.95% | 90.13% | 93.86% | 113.68% | 110.96% | +2,101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.06% | 9.60% | 4.98% | 2.46% | -0.32% | 1.29% | -1.09% | 1.61% | -85 bps | |
| Loan Growth (YoY) | 9.10% | 7.14% | 3.84% | -10.12% | -12.84% | -13.91% | -16.06% | -13.28% | -316 bps | |
| Share Growth (YoY) | 11.03% | 10.20% | 4.82% | 2.35% | -0.86% | 2.19% | 0.54% | 4.88% | +253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.72% | 3.11% | 5.49% | 5.75% | 4.80% | 4.10% | 3.76% | 4.55% | -120 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 | 11.40% | 11.56% | 11.32% | 11.72% | 11.57% | 10.94% | 9.71% | 9.17% | -255 bps | |
| Net Worth / Assets | 11.40% | 11.56% | 11.32% | 11.72% | 11.57% | 10.94% | 9.71% | 9.17% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.29% | 80.69% | 77.67% | 75.00% | 73.22% | 67.98% | 64.85% | 62.02% | -1,299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |