PackageTrendsPeer
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Oklahoma Educators

Oklahoma City, OK · Charter 61088

NCUA · 8 branches

Q2 2026

$305.2MAssets
$156.8MLoans
$240.4MShares
$34.4MNet 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 0.66%, down 18 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.51% of loans (-22 bps YoY).
  • Capital: net worth / assets of 11.26%, down 231 bps from a year ago.
  • Funding: loans stand at 65.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-78 bps YoY

Efficiency Ratio (YTD, annualized)

71.97%-83 bps YoY

Net Worth / Assets

11.26%-231 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.73%0.66%0.64%0.66%-18 bps
Return on Equity6.19%6.11%6.01%5.97%5.86%-33 bps
Net Interest Margin4.14%3.68%3.36%2.88%3.37%-78 bps
Efficiency Ratio72.80%72.75%72.97%69.81%71.97%-83 bps
Growth
Asset Growth (YoY)7.79%27.13%43.63%52.24%28.04%+2,025 bps
Loan Growth (YoY)-1.74%9.26%6.62%8.31%3.51%+525 bps
Share Growth (YoY)8.24%29.61%58.84%67.64%43.93%+3,569 bps
Asset Quality
Delinquent Loans / Loans0.73%0.63%0.75%0.58%0.51%-22 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 Capital13.57%11.88%10.99%10.74%11.26%-231 bps
Net Worth / Assets13.57%11.88%10.99%10.74%11.26%-231 bps
Liquidity & Funding
Loans / Shares90.69%84.72%68.33%63.33%65.22%-2,547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps