Oklahoma City, OK · Charter 64850
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 | 0.82% | 0.77% | 0.66% | 0.67% | 0.62% | 0.55% | 0.39% | 0.09% | -58 bps | |
| Return on Equity | 5.91% | 5.55% | 4.70% | 4.70% | 4.19% | 3.78% | 2.57% | 0.58% | -412 bps | |
| Net Interest Margin | 5.14% | 5.17% | 5.20% | 5.32% | 5.48% | 5.47% | 5.25% | 5.19% | -13 bps | |
| Efficiency Ratio | 79.15% | 79.87% | 83.20% | 84.38% | 85.28% | 86.28% | 90.97% | 91.42% | +704 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.98% | -9.44% | -3.72% | -2.57% | -3.20% | -2.82% | -5.53% | -4.50% | -193 bps | |
| Loan Growth (YoY) | -9.61% | -10.30% | -8.48% | -5.74% | -9.18% | -5.32% | -1.67% | -0.23% | +551 bps | |
| Share Growth (YoY) | -15.78% | -11.77% | -5.27% | -3.48% | -4.29% | -3.82% | -7.39% | -5.74% | -226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.67% | 0.59% | 0.76% | 0.79% | 0.41% | 1.78% | 1.75% | +100 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 | 13.92% | 13.92% | 14.03% | 14.19% | 14.76% | 14.64% | 15.09% | 14.87% | +68 bps | |
| Net Worth / Assets | 13.92% | 13.92% | 14.03% | 14.19% | 14.76% | 14.64% | 15.09% | 14.87% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.98% | 84.14% | 81.43% | 82.16% | 81.58% | 82.82% | 86.46% | 86.96% | +480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |