Broken Arrow, OK · Charter 4202
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 (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
79
Asset Quality
48
Profitability
39
Liquidity
0
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.
Broken Arrow, OK · Charter 4202
NCUA · 7 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 | -0.16% | -0.16% | -0.09% | -0.06% | 0.09% | +25 bps | |
| Return on Equity | -0.95% | -0.91% | -0.52% | -0.37% | 0.51% | +147 bps | |
| Net Interest Margin | 4.50% | 4.61% | 4.79% | 4.73% | 4.90% | +40 bps | |
| Efficiency Ratio | 88.64% | 88.59% | 88.73% | 93.03% | 90.40% | +176 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.78% | 0.46% | -4.04% | -3.84% | -4.32% | -610 bps | |
| Loan Growth (YoY) | -4.14% | -3.51% | -2.38% | -1.16% | 0.22% | +436 bps | |
| Share Growth (YoY) | 2.27% | 0.52% | -4.81% | -4.58% | -5.23% | -749 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.84% | 0.64% | 0.62% | 0.71% | 0 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 | 16.93% | 17.09% | 17.46% | 17.11% | 17.57% | +64 bps | |
| Net Worth / Assets | 16.93% | 17.09% | 17.46% | 17.11% | 17.57% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.53% | 91.97% | 95.27% | 91.85% | 95.73% | +520 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Broken Arrow, OK · Charter 4202 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.09%
Rank 1,449 of 1,683
Net Interest Margin
4.90%
Rank 167 of 1,683
Efficiency Ratio
90.40%
Rank 1,395 of 1,682
Equity / Assets
17.57%
Rank 357 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,449 / 1,683 | |
| Return on Equity | 0.51% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,457 / 1,681 | |
| Net Interest Margin | 4.90% | 3.31% | 3.82% | 4.32% | Beats 90% | 167 / 1,683 | |
| Efficiency Ratio | 90.40% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,395 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 879 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 357 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 357 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.73% | 52.61% | 69.38% | 83.50% | 94th pctl | 103 / 1,683 | |
| Loans / Assets | 78.15% | 44.71% | 59.18% | 70.72% | 89th pctl | 185 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||