Tulsa, OK · Charter 60696
NCUA · 1 branch
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 | 1.17% | 1.14% | 0.99% | 0.95% | 1.08% | 1.03% | 1.04% | 1.04% | +9 bps | |
| Return on Equity | 6.04% | 6.00% | 5.25% | 5.19% | 5.65% | 5.49% | 5.27% | 5.03% | -16 bps | |
| Net Interest Margin | 5.47% | 5.39% | 5.29% | 5.18% | 5.40% | 5.25% | 5.44% | 5.57% | +39 bps | |
| Efficiency Ratio | 81.79% | 81.64% | 84.08% | 84.47% | 83.01% | 83.31% | 83.57% | 81.38% | -309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.14% | 4.37% | 5.36% | 14.16% | 9.91% | 7.46% | 0.64% | -6.75% | -2,090 bps | |
| Loan Growth (YoY) | 0.56% | 5.16% | 8.19% | 11.57% | 10.38% | 8.80% | 6.70% | 5.61% | -596 bps | |
| Share Growth (YoY) | -4.78% | 1.18% | 4.11% | 13.91% | 9.09% | 7.74% | -1.62% | -11.22% | -2,512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.43% | 1.11% | 1.31% | 1.46% | 1.73% | 1.34% | 1.39% | +8 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 | 19.38% | 19.04% | 18.80% | 18.27% | 19.15% | 18.75% | 19.77% | 20.72% | +244 bps | |
| Net Worth / Assets | 19.38% | 19.04% | 18.80% | 18.27% | 19.15% | 18.75% | 19.77% | 20.72% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.28% | 73.27% | 71.77% | 70.45% | 75.16% | 73.99% | 77.85% | 83.80% | +1,335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |