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 | |