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
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 | 0.38% | 0.52% | -0.28% | -0.16% | -0.16% | -0.09% | -0.06% | 0.09% | +25 bps | |
| Return on Equity | 2.21% | 3.12% | -1.68% | -0.95% | -0.91% | -0.52% | -0.37% | 0.51% | +147 bps | |
| Net Interest Margin | 4.46% | 4.40% | 4.34% | 4.50% | 4.61% | 4.79% | 4.73% | 4.90% | +40 bps | |
| Efficiency Ratio | 87.70% | 84.65% | 88.75% | 88.64% | 88.59% | 88.73% | 93.03% | 90.40% | +176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | 2.45% | 3.11% | 1.78% | 0.46% | -4.04% | -3.84% | -4.32% | -610 bps | |
| Loan Growth (YoY) | 2.37% | -0.28% | -3.41% | -4.14% | -3.51% | -2.38% | -1.16% | 0.22% | +436 bps | |
| Share Growth (YoY) | -0.37% | 2.74% | 3.71% | 2.27% | 0.52% | -4.81% | -4.58% | -5.23% | -749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.04% | 0.72% | 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 | 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 | 17.20% | 16.75% | 16.63% | 16.93% | 17.09% | 17.46% | 17.11% | 17.57% | +64 bps | |
| Net Worth / Assets | 17.20% | 16.75% | 16.63% | 16.93% | 17.09% | 17.46% | 17.11% | 17.57% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.81% | 92.89% | 88.67% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||