Oklahoma CIty, OK · Charter 65774
NCUA · 1 branch
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
94
Asset Quality
65
Profitability
31
Liquidity
27
Efficiency
18
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 65774
NCUA · 1 branch
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 | -1.39% | -1.29% | -0.09% | -0.17% | -0.18% | -1.69% | -3.07% | -1.45% | -128 bps | |
| Return on Equity | -4.33% | -3.89% | -0.29% | -0.54% | -0.57% | -5.36% | -9.88% | -4.60% | -405 bps | |
| Net Interest Margin | 6.72% | 6.88% | 7.10% | 7.15% | 7.01% | 6.95% | 6.38% | 6.27% | -88 bps | |
| Efficiency Ratio | 88.35% | 89.28% | 86.56% | 94.01% | 96.73% | 98.33% | 97.32% | 97.12% | +310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -7.18% | -1.65% | -0.68% | -1.13% | -0.65% | -5.81% | -6.45% | -577 bps | |
| Loan Growth (YoY) | -4.08% | -0.19% | 4.56% | 8.77% | 4.82% | -5.58% | -12.64% | -17.62% | -2,639 bps | |
| Share Growth (YoY) | -6.65% | -9.19% | -1.65% | 1.07% | -1.17% | 1.83% | -4.89% | -5.85% | -692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.22% | 4.68% | 6.31% | 7.23% | 1.16% | 4.62% | 0.60% | 0.34% | -689 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 | 1.26% | 1.15% | 1.17% | 1.16% | 1.35% | 1.34% | 1.32% | 1.26% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.15% | 33.07% | 31.57% | 31.68% | 32.18% | 31.59% | 31.07% | 31.52% | -17 bps | |
| Net Worth / Assets | 32.15% | 33.07% | 31.57% | 31.68% | 32.18% | 31.59% | 31.07% | 31.52% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.34% | 72.84% | 67.08% | 70.93% | 70.36% | 67.54% | 61.61% | 62.07% | -887 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 65774 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.45%
Rank 17 of 17
Net Interest Margin
6.28%
Rank 1 of 17
Efficiency Ratio
96.83%
Rank 15 of 17
Equity / Assets
31.52%
Rank 1 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.45% | 0.09% | 0.50% | 0.87% | Beats 0% | 17 / 17 | ||
| Return on Equity | -4.60% | 0.57% | 3.59% | 5.86% | Beats 0% | 17 / 17 | ||
| Net Interest Margin | 6.28% | 3.47% | 3.95% | 4.62% | Beats 94% | 1 / 17 | ||
| Efficiency Ratio | 96.83% | 72.40% | 84.09% | 93.29% | Beats 18% | 15 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.24% | 0.51% | 0.96% | Beats 65% | 7 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.52% | 9.54% | 12.63% | 17.12% | Beats 94% | 1 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 31.52% | 9.54% | 12.63% | 17.12% | Beats 94% | 1 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.08% | 65.22% | 80.30% | 85.86% | 18th pctl | 14 / 17 | ||
| Loans / Assets | 42.59% | 51.37% | 68.04% | 74.15% | 12th pctl | 15 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||