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 | |