Oklahoma City, OK · Charter 24936
NCUA · 4 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 under $1B in assets in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
47
Profitability
65
Liquidity
80
Efficiency
71
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 24936
NCUA · 4 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 | 0.47% | 0.48% | 0.34% | 0.39% | 0.82% | 0.81% | 0.57% | 0.87% | +48 bps | |
| Return on Equity | 5.36% | 5.45% | 3.87% | 4.36% | 8.75% | 8.66% | 6.05% | 9.01% | +465 bps | |
| Net Interest Margin | 3.35% | 3.40% | 3.42% | 3.59% | 3.64% | 3.59% | 3.57% | 3.61% | +2 bps | |
| Efficiency Ratio | 85.17% | 84.83% | 87.04% | 83.80% | 76.25% | 77.20% | 82.80% | 78.02% | -578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 1.09% | 2.52% | 1.99% | 1.06% | 3.50% | 2.44% | 3.87% | +188 bps | |
| Loan Growth (YoY) | -4.63% | -2.89% | -4.20% | -5.12% | 0.37% | 0.22% | 1.85% | 0.44% | +556 bps | |
| Share Growth (YoY) | -0.25% | 0.46% | 1.19% | 1.20% | 0.12% | 2.40% | 2.06% | 3.03% | +182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.75% | 0.56% | 0.74% | 0.62% | 0.60% | 0.45% | 0.71% | -3 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 | 8.73% | 8.89% | 8.73% | 8.96% | 9.38% | 9.39% | 9.38% | 9.67% | +71 bps | |
| Net Worth / Assets | 8.73% | 8.89% | 8.73% | 8.96% | 9.38% | 9.39% | 9.38% | 9.67% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.08% | 80.07% | 76.24% | 77.30% | 81.29% | 78.36% | 76.09% | 75.36% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 24936 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 4 branches
Q2 2026
Return on Assets
0.87%
Rank 5 of 17
Net Interest Margin
3.61%
Rank 11 of 17
Efficiency Ratio
78.03%
Rank 6 of 17
Equity / Assets
9.67%
Rank 12 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.09% | 0.50% | 0.87% | Beats 71% | 5 / 17 | ||
| Return on Equity | 9.01% | 0.57% | 3.59% | 5.86% | Beats 88% | 2 / 17 | ||
| Net Interest Margin | 3.61% | 3.47% | 3.95% | 4.62% | Beats 35% | 11 / 17 | ||
| Efficiency Ratio | 78.03% | 72.40% | 84.09% | 93.29% | Beats 71% | 6 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.24% | 0.51% | 0.96% | Beats 47% | 10 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.67% | 9.54% | 12.63% | 17.12% | Beats 29% | 12 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.67% | 9.54% | 12.63% | 17.12% | Beats 29% | 12 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.36% | 65.22% | 80.30% | 85.86% | 35th pctl | 11 / 17 | ||
| Loans / Assets | 68.04% | 51.37% | 68.04% | 74.15% | 47th pctl | 9 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||