Oklahoma City, OK · Charter 3454
NCUA · 25 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |