Oklahoma City, OK · Charter 61088
NCUA · 8 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 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
35
Asset Quality
53
Profitability
47
Liquidity
40
Efficiency
82
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 61088
NCUA · 8 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 | 1.11% | 1.14% | 0.73% | 0.84% | 0.73% | 0.66% | 0.64% | 0.66% | -18 bps | |
| Return on Equity | 7.82% | 7.66% | 4.76% | 6.19% | 6.11% | 6.01% | 5.97% | 5.86% | -33 bps | |
| Net Interest Margin | 4.46% | 4.59% | 4.61% | 4.14% | 3.68% | 3.36% | 2.88% | 3.37% | -78 bps | |
| Efficiency Ratio | 71.79% | 70.58% | 75.18% | 72.80% | 72.75% | 72.97% | 69.81% | 71.97% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.63% | -10.11% | -8.22% | 7.79% | 27.13% | 43.63% | 52.24% | 28.04% | +2,025 bps | |
| Loan Growth (YoY) | -10.90% | -8.68% | -8.47% | -1.74% | 9.26% | 6.62% | 8.31% | 3.51% | +525 bps | |
| Share Growth (YoY) | -15.62% | -12.90% | -8.66% | 8.24% | 29.61% | 58.84% | 67.64% | 43.93% | +3,569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.57% | 0.67% | 0.73% | 0.63% | 0.75% | 0.58% | 0.51% | -22 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 | 14.14% | 14.83% | 15.31% | 13.57% | 11.88% | 10.99% | 10.74% | 11.26% | -231 bps | |
| Net Worth / Assets | 14.14% | 14.83% | 15.31% | 13.57% | 11.88% | 10.99% | 10.74% | 11.26% | -231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.50% | 101.80% | 98.02% | 90.69% | 84.72% | 68.33% | 63.33% | 65.22% | -2,547 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 61088 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 8 branches
Q2 2026
Return on Assets
0.66%
Rank 8 of 17
Net Interest Margin
3.37%
Rank 14 of 17
Efficiency Ratio
71.97%
Rank 4 of 17
Equity / Assets
11.26%
Rank 11 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.09% | 0.50% | 0.87% | Beats 53% | 8 / 17 | ||
| Return on Equity | 5.86% | 0.57% | 3.59% | 5.86% | Beats 71% | 5 / 17 | ||
| Net Interest Margin | 3.37% | 3.47% | 3.95% | 4.62% | Beats 18% | 14 / 17 | ||
| Efficiency Ratio | 71.97% | 72.40% | 84.09% | 93.29% | Beats 82% | 4 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.24% | 0.51% | 0.96% | Beats 53% | 9 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.26% | 9.54% | 12.63% | 17.12% | Beats 35% | 11 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.26% | 9.54% | 12.63% | 17.12% | Beats 35% | 11 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.22% | 65.22% | 80.30% | 85.86% | 24th pctl | 13 / 17 | ||
| Loans / Assets | 51.37% | 51.37% | 68.04% | 74.15% | 24th pctl | 13 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||