Tulsa, OK · Charter 2585
NCUA · 6 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
65
Profitability
20
Liquidity
88
Efficiency
17
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.
Tulsa, OK · Charter 2585
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -1.00% | -1.03% | 0.12% | 0.15% | +189 bps | |
| Return on Equity | -15.87% | -8.98% | -9.59% | 1.10% | 1.42% | +1,728 bps | |
| Net Interest Margin | 3.08% | 3.10% | 3.18% | 3.23% | 3.36% | +28 bps | |
| Efficiency Ratio | 132.67% | 112.48% | 109.07% | 91.44% | 90.45% | -4,222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.61% | 3.37% | 3.43% | 1.79% | 0.58% | -403 bps | |
| Loan Growth (YoY) | -8.07% | -3.07% | -2.99% | 1.09% | 4.75% | +1,282 bps | |
| Share Growth (YoY) | 1.27% | 0.67% | -0.12% | 0.64% | 1.57% | +30 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.43% | 0.81% | 0.48% | 0.41% | -97 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.93% | 11.14% | 10.74% | 10.54% | 10.73% | -21 bps | |
| Net Worth / Assets | 10.93% | 11.14% | 10.74% | 10.54% | 10.73% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.85% | 71.39% | 70.50% | 70.51% | 72.03% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 2585 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.15%
Rank 1,418 of 1,683
Net Interest Margin
3.36%
Rank 1,240 of 1,683
Efficiency Ratio
90.47%
Rank 1,399 of 1,682
Equity / Assets
10.73%
Rank 1,212 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,418 / 1,683 | |
| Return on Equity | 1.42% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,392 / 1,681 | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,240 / 1,683 | |
| Efficiency Ratio | 90.47% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,399 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 585 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,212 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,212 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.03% | 52.61% | 69.38% | 83.50% | 55th pctl | 761 / 1,683 | |
| Loans / Assets | 60.31% | 44.71% | 59.18% | 70.72% | 53rd pctl | 797 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||