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Oklahoma's

Oklahoma City, OK · Charter 24953

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Oklahoma City, OK area3

Basis

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.

Peer group

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.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oklahoma's

Oklahoma City, OK · Charter 24953

NCUA · 7 branches

Q2 2026

$954.5MAssets
$687.2MLoans
$762.6MShares
$120.6MNet 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 0.91%, up 20 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.25% of loans (+9 bps YoY).
  • Capital: net worth / assets of 12.63%, down 18 bps from a year ago.
  • Funding: loans stand at 90.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+22 bps YoY

Efficiency Ratio (YTD, annualized)

72.39%-365 bps YoY

Net Worth / Assets

12.63%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.81%0.81%0.72%0.91%+20 bps
Return on Equity5.52%6.25%6.35%5.81%7.19%+167 bps
Net Interest Margin3.25%3.30%3.26%3.35%3.47%+22 bps
Efficiency Ratio76.05%75.06%73.66%74.55%72.39%-365 bps
Growth
Asset Growth (YoY)7.95%7.83%10.96%9.10%9.27%+132 bps
Loan Growth (YoY)5.42%6.14%7.69%11.58%12.07%+665 bps
Share Growth (YoY)10.25%9.32%10.73%7.96%7.96%-229 bps
Asset Quality
Delinquent Loans / Loans0.17%0.24%0.26%0.25%0.25%+9 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 Capital12.81%12.90%12.71%12.47%12.63%-18 bps
Net Worth / Assets12.81%12.90%12.71%12.47%12.63%-18 bps
Liquidity & Funding
Loans / Shares86.80%88.07%88.02%88.89%90.11%+331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oklahoma's

Oklahoma City, OK · Charter 24953 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)

NCUA · 7 branches

Q2 2026

$954.5MAssets
$687.2MLoans
$762.6MShares
$120.6MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 82% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 3 of 17).
  • Widest gap: net interest margin trails 76% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 13 of 17).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.91%

Rank 3 of 17

Net Interest Margin

3.47%

Rank 13 of 17

Efficiency Ratio

72.40%

Rank 5 of 17

Equity / Assets

12.63%

Rank 9 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.09%0.50%0.87%Beats 82%3 / 17
Return on Equity7.19%0.57%3.59%5.86%Beats 76%4 / 17
Net Interest Margin3.47%3.47%3.95%4.62%Beats 24%13 / 17
Efficiency Ratio72.40%72.40%84.09%93.29%Beats 76%5 / 17
Asset Quality
Nonperforming Loans / Loans0.25%0.24%0.51%0.96%Beats 71%6 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.63%9.54%12.63%17.12%Beats 47%9 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.63%9.54%12.63%17.12%Beats 47%9 / 17
Liquidity & Funding
Loans / Deposits90.11%65.22%80.30%85.86%94th pctl1 / 17
Loans / Assets72.00%51.37%68.04%74.15%59th pctl7 / 17
Brokered Deposits / Depositsn/aNot reported for this institution