Oklahoma City, OK · Charter 60994
NCUA · 1 branch
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 in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
35
Profitability
55
Liquidity
3
Efficiency
47
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.
Oklahoma City, OK · Charter 60994
NCUA · 1 branch
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 | -0.59% | -0.57% | -0.04% | 0.30% | 0.41% | 0.30% | 0.39% | 0.49% | +19 bps | |
| Return on Equity | -5.06% | -4.83% | -0.37% | 2.39% | 3.12% | 2.25% | 2.88% | 3.57% | +119 bps | |
| Net Interest Margin | 3.00% | 3.16% | 3.58% | 3.92% | 4.15% | 4.39% | 4.52% | 4.63% | +71 bps | |
| Efficiency Ratio | 108.99% | 110.22% | 101.15% | 92.48% | 89.27% | 89.88% | 92.09% | 90.24% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -1.59% | -1.39% | -4.17% | -9.48% | -9.90% | -8.93% | -6.47% | -230 bps | |
| Loan Growth (YoY) | -9.33% | -12.90% | -11.57% | -9.75% | -8.88% | -5.03% | -4.81% | -1.89% | +785 bps | |
| Share Growth (YoY) | 0.50% | -1.19% | -1.17% | -4.66% | -11.03% | -11.67% | -10.58% | -7.92% | -326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.12% | 0.12% | 0.19% | 0.39% | 0.62% | 0.23% | 0.81% | +62 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 | 11.66% | 11.87% | 11.92% | 12.57% | 13.09% | 13.47% | 13.50% | 13.83% | +126 bps | |
| Net Worth / Assets | 11.66% | 11.87% | 11.92% | 12.57% | 13.09% | 13.47% | 13.50% | 13.83% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.20% | 81.11% | 80.29% | 82.82% | 83.16% | 87.20% | 85.47% | 88.25% | +543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 60994 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 9 of 17
Net Interest Margin
4.62%
Rank 5 of 17
Efficiency Ratio
90.34%
Rank 10 of 17
Equity / Assets
13.83%
Rank 8 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.09% | 0.50% | 0.87% | Beats 47% | 9 / 17 | ||
| Return on Equity | 3.59% | 0.57% | 3.59% | 5.86% | Beats 47% | 9 / 17 | ||
| Net Interest Margin | 4.62% | 3.47% | 3.95% | 4.62% | Beats 71% | 5 / 17 | ||
| Efficiency Ratio | 90.34% | 72.40% | 84.09% | 93.29% | Beats 47% | 10 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.24% | 0.51% | 0.96% | Beats 35% | 12 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.83% | 9.54% | 12.63% | 17.12% | Beats 53% | 8 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.83% | 9.54% | 12.63% | 17.12% | Beats 53% | 8 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.25% | 65.22% | 80.30% | 85.86% | 82nd pctl | 3 / 17 | ||
| Loans / Assets | 75.70% | 51.37% | 68.04% | 74.15% | 76th pctl | 4 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||