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 | |