Oklahoma City, OK · Charter 65503
NCUA · 5 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 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.
Capital
12
Asset Quality
94
Profitability
27
Liquidity
32
Efficiency
41
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.
Oklahoma City, OK · Charter 65503
NCUA · 5 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 | 0.22% | 0.18% | 0.32% | 0.30% | 0.32% | 0.35% | 0.07% | 0.31% | +1 bps | |
| Return on Equity | 2.21% | 1.86% | 3.32% | 3.08% | 3.53% | 4.03% | 0.78% | 3.54% | +46 bps | |
| Net Interest Margin | 3.26% | 3.22% | 3.44% | 3.52% | 3.32% | 3.16% | 3.18% | 3.25% | -27 bps | |
| Efficiency Ratio | 96.03% | 96.63% | 91.97% | 92.59% | 98.75% | 97.84% | 93.71% | 90.91% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.06% | 1.71% | -1.96% | 0.87% | 10.82% | 14.37% | 15.26% | 14.12% | +1,325 bps | |
| Loan Growth (YoY) | 0.06% | 3.33% | 5.00% | 7.22% | 5.78% | 4.97% | 8.10% | 10.26% | +304 bps | |
| Share Growth (YoY) | -3.27% | 1.83% | -2.50% | 0.81% | 12.04% | 15.72% | 16.24% | 14.96% | +1,415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.05% | 0.11% | 0.02% | 0.08% | 0.09% | 0.12% | 0.17% | +15 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 | 9.82% | 9.59% | 9.61% | 9.63% | 9.11% | 8.72% | 8.69% | 8.79% | -84 bps | |
| Net Worth / Assets | 9.82% | 9.59% | 9.61% | 9.63% | 9.11% | 8.72% | 8.69% | 8.79% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.34% | 86.22% | 85.75% | 89.51% | 83.41% | 78.21% | 79.74% | 85.86% | -366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oklahoma City, OK · Charter 65503 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 5 branches
Q2 2026
Return on Assets
0.31%
Rank 10 of 17
Net Interest Margin
3.25%
Rank 16 of 17
Efficiency Ratio
90.90%
Rank 11 of 17
Equity / Assets
8.79%
Rank 15 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.09% | 0.50% | 0.87% | Beats 41% | 10 / 17 | ||
| Return on Equity | 3.55% | 0.57% | 3.59% | 5.86% | Beats 35% | 11 / 17 | ||
| Net Interest Margin | 3.25% | 3.47% | 3.95% | 4.62% | Beats 6% | 16 / 17 | ||
| Efficiency Ratio | 90.90% | 72.40% | 84.09% | 93.29% | Beats 41% | 11 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 0.96% | Beats 94% | 2 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.79% | 9.54% | 12.63% | 17.12% | Beats 12% | 15 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.79% | 9.54% | 12.63% | 17.12% | Beats 12% | 15 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.86% | 65.22% | 80.30% | 85.86% | 71st pctl | 5 / 17 | ||
| Loans / Assets | 77.64% | 51.37% | 68.04% | 74.15% | 88th pctl | 2 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||