Oklahoma City, OK · Charter 24953
NCUA · 7 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
47
Asset Quality
71
Profitability
61
Liquidity
0
Efficiency
76
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 24953
NCUA · 7 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 | 0.78% | 0.75% | 0.72% | 0.71% | 0.81% | 0.81% | 0.72% | 0.91% | +20 bps | |
| Return on Equity | 5.94% | 5.64% | 5.62% | 5.52% | 6.25% | 6.35% | 5.81% | 7.19% | +167 bps | |
| Net Interest Margin | 3.09% | 3.13% | 3.11% | 3.25% | 3.30% | 3.26% | 3.35% | 3.47% | +22 bps | |
| Efficiency Ratio | 74.21% | 74.43% | 76.05% | 76.05% | 75.06% | 73.66% | 74.55% | 72.39% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 3.55% | 8.13% | 7.95% | 7.83% | 10.96% | 9.10% | 9.27% | +132 bps | |
| Loan Growth (YoY) | n/a | 1.28% | 3.53% | 5.42% | 6.14% | 7.69% | 11.58% | 12.07% | +665 bps | |
| Share Growth (YoY) | n/a | 4.91% | 10.60% | 10.25% | 9.32% | 10.73% | 7.96% | 7.96% | -229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.20% | 0.12% | 0.17% | 0.24% | 0.26% | 0.25% | 0.25% | +9 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 | 13.09% | 13.20% | 12.74% | 12.81% | 12.90% | 12.71% | 12.47% | 12.63% | -18 bps | |
| Net Worth / Assets | 13.09% | 13.20% | 12.74% | 12.81% | 12.90% | 12.71% | 12.47% | 12.63% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.71% | 90.51% | 86.00% | 86.80% | 88.07% | 88.02% | 88.89% | 90.11% | +331 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 24953 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 7 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.09% | 0.50% | 0.87% | Beats 82% | 3 / 17 | ||
| Return on Equity | 7.19% | 0.57% | 3.59% | 5.86% | Beats 76% | 4 / 17 | ||
| Net Interest Margin | 3.47% | 3.47% | 3.95% | 4.62% | Beats 24% | 13 / 17 | ||
| Efficiency Ratio | 72.40% | 72.40% | 84.09% | 93.29% | Beats 76% | 5 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.24% | 0.51% | 0.96% | Beats 71% | 6 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.63% | 9.54% | 12.63% | 17.12% | Beats 47% | 9 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.63% | 9.54% | 12.63% | 17.12% | Beats 47% | 9 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.11% | 65.22% | 80.30% | 85.86% | 94th pctl | 1 / 17 | ||
| Loans / Assets | 72.00% | 51.37% | 68.04% | 74.15% | 59th pctl | 7 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||