Tulsa, OK · Charter 2585
NCUA · 6 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 | 0.10% | 0.06% | -4.14% | -1.73% | -1.00% | -1.03% | 0.12% | 0.15% | +189 bps | |
| Return on Equity | 1.06% | 0.59% | -39.93% | -15.87% | -8.98% | -9.59% | 1.10% | 1.42% | +1,728 bps | |
| Net Interest Margin | 3.34% | 3.31% | 2.94% | 3.08% | 3.10% | 3.18% | 3.23% | 3.36% | +28 bps | |
| Efficiency Ratio | 89.76% | 89.94% | 305% | 132.67% | 112.48% | 109.07% | 91.44% | 90.45% | -4,222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -2.07% | 2.63% | 4.61% | 3.37% | 3.43% | 1.79% | 0.58% | -403 bps | |
| Loan Growth (YoY) | -9.33% | -8.31% | -8.06% | -8.07% | -3.07% | -2.99% | 1.09% | 4.75% | +1,282 bps | |
| Share Growth (YoY) | -5.78% | -3.82% | 0.41% | 1.27% | 0.67% | -0.12% | 0.64% | 1.57% | +30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.64% | 1.02% | 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 | 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 | 9.52% | 9.39% | 10.36% | 10.93% | 11.14% | 10.74% | 10.54% | 10.73% | -21 bps | |
| Net Worth / Assets | 9.52% | 9.39% | 10.36% | 10.93% | 11.14% | 10.74% | 10.54% | 10.73% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.15% | 72.58% | 70.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |