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Credit Union One of Oklahoma

Oklahoma City, OK · Charter 64850

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Oklahoma City, OK area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Credit Union One of Oklahoma

Oklahoma City, OK · Charter 64850

NCUA · 3 branches

Q2 2026

$39.9MAssets
$29.3MLoans
$33.7MShares
$5.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.09%, down 58 bps year over year; NIM at 5.19%.
  • Asset quality: problem loans at 1.75% of loans (+100 bps YoY).
  • Capital: net worth / assets of 14.87%, up 68 bps from a year ago.
  • Funding: loans stand at 86.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%-58 bps YoY

Net Interest Margin (YTD, annualized)

5.19%-13 bps YoY

Efficiency Ratio (YTD, annualized)

91.42%+704 bps YoY

Net Worth / Assets

14.87%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.62%0.55%0.39%0.09%-58 bps
Return on Equity4.70%4.19%3.78%2.57%0.58%-412 bps
Net Interest Margin5.32%5.48%5.47%5.25%5.19%-13 bps
Efficiency Ratio84.38%85.28%86.28%90.97%91.42%+704 bps
Growth
Asset Growth (YoY)-2.57%-3.20%-2.82%-5.53%-4.50%-193 bps
Loan Growth (YoY)-5.74%-9.18%-5.32%-1.67%-0.23%+551 bps
Share Growth (YoY)-3.48%-4.29%-3.82%-7.39%-5.74%-226 bps
Asset Quality
Delinquent Loans / Loans0.76%0.79%0.41%1.78%1.75%+100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.19%14.76%14.64%15.09%14.87%+68 bps
Net Worth / Assets14.19%14.76%14.64%15.09%14.87%+68 bps
Liquidity & Funding
Loans / Shares82.16%81.58%82.82%86.46%86.96%+480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Credit Union One of Oklahoma

Oklahoma City, OK · Charter 64850 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)

NCUA · 3 branches

Q2 2026

$39.9MAssets
$29.3MLoans
$33.7MShares
$5.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 3 of 17).
  • Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 17 of 17).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.09%

Rank 13 of 17

Net Interest Margin

5.20%

Rank 3 of 17

Efficiency Ratio

91.41%

Rank 12 of 17

Equity / Assets

14.87%

Rank 7 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.09%0.09%0.50%0.87%Beats 24%13 / 17
Return on Equity0.57%0.57%3.59%5.86%Beats 24%13 / 17
Net Interest Margin5.20%3.47%3.95%4.62%Beats 82%3 / 17
Efficiency Ratio91.41%72.40%84.09%93.29%Beats 35%12 / 17
Asset Quality
Nonperforming Loans / Loans1.75%0.24%0.51%0.96%Beats 6%17 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.87%9.54%12.63%17.12%Beats 59%7 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.87%9.54%12.63%17.12%Beats 59%7 / 17
Liquidity & Funding
Loans / Deposits86.96%65.22%80.30%85.86%76th pctl4 / 17
Loans / Assets73.51%51.37%68.04%74.15%65th pctl6 / 17
Brokered Deposits / Depositsn/aNot reported for this institution