Oklahoma City, OK · Charter 3454
NCUA · 25 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
18
Profitability
60
Liquidity
54
Efficiency
95
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 3454
NCUA · 25 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 | 0.99% | 0.37% | -0.62% | 0.24% | 0.64% | 0.66% | 0.47% | 1.03% | +79 bps | |
| Return on Equity | 7.88% | 3.14% | -5.29% | 2.03% | 5.39% | 5.67% | 4.01% | 8.69% | +666 bps | |
| Net Interest Margin | 3.15% | 2.99% | 2.92% | 3.30% | 3.28% | 3.27% | 3.00% | 3.36% | +6 bps | |
| Efficiency Ratio | 50.82% | 53.14% | 62.16% | 56.89% | 54.14% | 54.79% | 59.50% | 54.29% | -260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.07% | 6.63% | 2.32% | 3.32% | 5.54% | 4.13% | 8.36% | 9.43% | +610 bps | |
| Loan Growth (YoY) | 4.27% | 4.19% | 3.44% | -0.41% | -1.49% | -2.99% | -3.14% | -1.93% | -153 bps | |
| Share Growth (YoY) | 6.40% | 6.82% | 4.56% | 2.57% | 2.99% | 4.76% | 6.18% | 11.41% | +884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.17% | 1.02% | 1.17% | 1.30% | 1.34% | 1.05% | 1.24% | +7 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 | 12.53% | 11.74% | 11.79% | 11.96% | 11.92% | 11.73% | 11.66% | 11.83% | -13 bps | |
| Net Worth / Assets | 12.53% | 11.74% | 11.79% | 11.96% | 11.92% | 11.73% | 11.66% | 11.83% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.66% | 87.86% | 87.55% | 88.04% | 85.75% | 81.37% | 79.86% | 77.49% | -1,055 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 3454 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
Return on Assets
1.03%
Rank 135 of 435
Net Interest Margin
3.36%
Rank 231 of 435
Efficiency Ratio
54.29%
Rank 22 of 435
Equity / Assets
11.83%
Rank 149 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.55% | 0.81% | 1.14% | Beats 69% | 135 / 435 | ||
| Return on Equity | 8.69% | 5.12% | 7.41% | 9.70% | Beats 65% | 151 / 435 | ||
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 47% | 231 / 435 | ||
| Efficiency Ratio | 54.29% | 65.25% | 71.39% | 77.86% | Beats 95% | 22 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.45% | 0.69% | 1.05% | Beats 18% | 356 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 9.81% | 10.84% | 12.63% | Beats 66% | 149 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.83% | 9.81% | 10.84% | 12.63% | Beats 66% | 149 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.49% | 78.33% | 88.38% | 95.61% | 23rd pctl | 335 / 435 | ||
| Loans / Assets | 67.04% | 67.69% | 74.58% | 80.80% | 23rd pctl | 336 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||