PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cooperative Employees

Anadarko, OK · Charter 62502

NCUA · 1 branch

Q2 2026

$10.0MAssets
$6.1MLoans
$8.9MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, down 4 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.37%, down 86 bps from a year ago.
  • Funding: loans stand at 67.78% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.55%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.99%-24 bps YoY

Efficiency Ratio (quarter, annualized)

88.47%-1 bps YoY

Net Worth / Assets

10.37%-86 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.06%0.41%0.59%0.63%0.12%0.26%0.55%-4 bps
Return on Equity3.75%0.49%3.69%5.28%5.89%1.19%2.55%5.32%+4 bps
Net Interest Margin4.12%3.92%4.18%4.23%4.10%3.71%3.95%3.99%-24 bps
Efficiency Ratio91.20%98.85%91.85%88.48%87.36%97.38%94.52%88.47%-1 bps
Growth
Asset Growth (YoY)4.55%1.81%5.53%4.61%12.46%13.94%10.06%9.59%+498 bps
Loan Growth (YoY)1.65%-0.90%0.80%-4.08%-6.23%-1.53%-4.62%-1.56%+252 bps
Share Growth (YoY)5.19%1.84%6.12%5.23%14.11%15.67%11.21%10.21%+498 bps
Asset Quality
Delinquent Loans / Loans0.08%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.71%11.36%11.17%11.23%10.64%10.09%10.24%10.37%-86 bps
Net Worth / Assets11.71%11.36%11.17%11.23%10.64%10.09%10.24%10.37%-86 bps
Liquidity & Funding
Loans / Shares82.28%80.69%78.87%75.89%67.62%68.69%67.65%67.78%-810 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps