Oklahoma City, OK · Charter 24934
NCUA · 14 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 | -1.39% | -1.24% | -0.01% | -0.11% | -0.13% | 0.02% | -0.04% | 0.23% | +34 bps | |
| Return on Equity | -21.68% | -19.63% | -0.24% | -1.96% | -2.18% | 0.36% | -0.59% | 3.56% | +552 bps | |
| Net Interest Margin | 2.78% | 2.84% | 2.77% | 2.86% | 2.93% | 3.06% | 2.83% | 3.09% | +23 bps | |
| Efficiency Ratio | 93.15% | 91.40% | 83.16% | 86.00% | 85.19% | 84.24% | 86.91% | 84.09% | -191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.65% | -12.74% | -8.38% | -3.34% | -1.26% | -1.70% | -4.29% | -5.35% | -201 bps | |
| Loan Growth (YoY) | -14.55% | -15.32% | -15.01% | -6.35% | -4.29% | -2.93% | -2.49% | -8.10% | -175 bps | |
| Share Growth (YoY) | -8.53% | -3.69% | 0.87% | 2.91% | 4.33% | -2.22% | -5.07% | -6.25% | -916 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.33% | 1.24% | 0.82% | 0.79% | 0.91% | 0.74% | 0.96% | +14 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 | 6.41% | 6.32% | 5.85% | 5.87% | 5.85% | 6.08% | 6.09% | 6.35% | +49 bps | |
| Net Worth / Assets | 6.41% | 6.32% | 5.85% | 5.87% | 5.85% | 6.08% | 6.09% | 6.35% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.44% | 74.75% | 70.09% | 73.82% | 73.79% | 74.21% | 72.00% | 72.37% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |