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 | |