Tulsa, OK · Charter 62322
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 | 0.91% | 0.74% | 0.59% | 0.75% | 0.78% | 0.69% | 0.42% | 0.54% | -20 bps | |
| Return on Equity | 6.37% | 5.12% | 4.17% | 5.22% | 5.45% | 4.85% | 3.04% | 3.90% | -132 bps | |
| Net Interest Margin | 3.51% | 3.48% | 3.42% | 3.47% | 3.53% | 3.52% | 3.47% | 3.54% | +7 bps | |
| Efficiency Ratio | 76.96% | 80.53% | 84.06% | 79.64% | 78.59% | 79.86% | 88.45% | 85.04% | +540 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 2.08% | 3.23% | 4.50% | 4.65% | 6.01% | 7.46% | 6.77% | +226 bps | |
| Loan Growth (YoY) | -7.89% | -6.17% | -4.03% | -1.41% | 1.87% | 3.12% | 4.32% | 7.60% | +902 bps | |
| Share Growth (YoY) | -1.03% | 1.08% | 2.11% | 3.19% | 4.18% | 4.72% | 7.10% | 6.90% | +371 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.31% | 0.25% | 0.18% | 0.22% | 0.21% | 0.18% | 0.24% | +7 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 | 14.37% | 14.40% | 14.12% | 14.26% | 14.36% | 14.27% | 13.76% | 13.94% | -32 bps | |
| Net Worth / Assets | 14.37% | 14.40% | 14.12% | 14.26% | 14.36% | 14.27% | 13.76% | 13.94% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.79% | 53.07% | 51.11% | 52.28% | 52.60% | 52.26% | 49.78% | 52.63% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |