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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 (quarter, annualized)

0.09%-58 bps YoY

Net Interest Margin (quarter, annualized)

5.19%-13 bps YoY

Efficiency Ratio (quarter, annualized)

91.42%+704 bps YoY

Net Worth / Assets

14.87%+68 bps YoY

Discrete quarter, annualized.

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