Ponca City, OK · Charter 64281
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
56
Profitability
35
Liquidity
94
Efficiency
10
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.
Ponca City, OK · Charter 64281
NCUA · 3 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 | -0.74% | -0.57% | -1.22% | -0.13% | 0.13% | 0.37% | -0.55% | -0.17% | -5 bps | |
| Return on Equity | -7.68% | -5.67% | -12.77% | -1.22% | 1.26% | 3.44% | -5.34% | -1.76% | -54 bps | |
| Net Interest Margin | 4.96% | 5.20% | 5.02% | 5.37% | 5.52% | 5.54% | 4.87% | 4.84% | -53 bps | |
| Efficiency Ratio | 92.61% | 89.82% | 94.35% | 86.60% | 86.72% | 84.66% | 106.26% | 95.69% | +909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.98% | 2.00% | -3.23% | -8.21% | -7.79% | -3.52% | -1.67% | 7.39% | +1,560 bps | |
| Loan Growth (YoY) | -5.19% | -6.45% | -7.49% | 2.03% | 1.83% | 1.30% | -6.51% | -13.71% | -1,574 bps | |
| Share Growth (YoY) | 7.68% | 2.05% | -3.81% | -8.53% | -8.00% | -3.89% | -0.46% | 7.79% | +1,632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.33% | 0.20% | 0.33% | 0.13% | 0.21% | 0.75% | 0.55% | +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 | 9.67% | 9.99% | 9.57% | 10.24% | 10.60% | 10.72% | 10.28% | 9.86% | -38 bps | |
| Net Worth / Assets | 9.67% | 9.99% | 9.57% | 10.24% | 10.60% | 10.72% | 10.28% | 9.86% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.03% | 83.09% | 80.74% | 88.26% | 86.37% | 87.58% | 75.83% | 70.66% | -1,760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ponca City, OK · Charter 64281 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.17%
Rank 1,530 of 1,683
Net Interest Margin
4.84%
Rank 191 of 1,683
Efficiency Ratio
95.70%
Rank 1,519 of 1,682
Equity / Assets
9.86%
Rank 1,368 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.17% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,530 / 1,683 | ||
| Return on Equity | -1.76% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,545 / 1,681 | ||
| Net Interest Margin | 4.84% | 3.31% | 3.82% | 4.32% | Beats 89% | 191 / 1,683 | ||
| Efficiency Ratio | 95.70% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,519 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 740 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,368 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,368 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.66% | 52.61% | 69.38% | 83.50% | 52nd pctl | 802 / 1,683 | ||
| Loans / Assets | 63.14% | 44.71% | 59.18% | 70.72% | 59th pctl | 696 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||