PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Sun

Broken Arrow, OK · Charter 4202

NCUA · 7 branches

Q2 2026

$181.5MAssets
$141.8MLoans
$148.2MShares
$31.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.09%, up 25 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 0.71% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.57%, up 64 bps from a year ago.
  • Funding: loans stand at 95.73% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.09%+25 bps YoY

Net Interest Margin (quarter, annualized)

4.90%+40 bps YoY

Efficiency Ratio (quarter, annualized)

90.40%+176 bps YoY

Net Worth / Assets

17.57%+64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin4.50%4.61%4.79%4.73%4.90%+40 bps
Efficiency Ratio88.64%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 / Loans0.71%0.84%0.64%0.62%0.71%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.93%17.09%17.46%17.11%17.57%+64 bps
Net Worth / Assets16.93%17.09%17.46%17.11%17.57%+64 bps
Liquidity & Funding
Loans / Shares90.53%91.97%95.27%91.85%95.73%+520 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps