Shawnee, OK · Charter 7149
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
66
Profitability
32
Liquidity
0
Efficiency
39
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.
Shawnee, OK · Charter 7149
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 | 0.94% | 0.89% | 0.67% | 0.83% | 0.90% | 0.86% | 0.61% | 0.68% | -15 bps | |
| Return on Equity | 6.68% | 6.20% | 4.83% | 5.84% | 6.09% | 5.85% | 4.15% | 4.48% | -136 bps | |
| Net Interest Margin | 2.73% | 2.75% | 2.63% | 2.77% | 2.83% | 2.79% | 2.79% | 2.89% | +12 bps | |
| Efficiency Ratio | 75.55% | 76.40% | 81.05% | 77.38% | 76.15% | 76.76% | 83.13% | 81.67% | +429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | 1.46% | 7.72% | 5.91% | 1.05% | 2.84% | -0.94% | -1.42% | -733 bps | |
| Loan Growth (YoY) | -11.70% | -14.52% | -15.02% | -16.65% | -16.38% | -14.34% | -13.92% | -11.63% | +502 bps | |
| Share Growth (YoY) | -5.96% | 0.16% | 5.10% | 4.05% | -0.83% | -1.24% | -3.00% | -3.12% | -716 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.44% | 0.11% | 0.07% | 0.03% | 0.31% | 0.55% | 0.39% | +32 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 | 14.04% | 14.28% | 13.84% | 14.27% | 14.75% | 14.75% | 14.81% | 15.26% | +100 bps | |
| Net Worth / Assets | 14.04% | 14.28% | 13.84% | 14.27% | 14.75% | 14.75% | 14.81% | 15.26% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.63% | 22.89% | 21.60% | 20.85% | 20.77% | 19.86% | 19.17% | 19.02% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shawnee, OK · Charter 7149 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.68%
Rank 909 of 1,683
Net Interest Margin
2.89%
Rank 1,504 of 1,683
Efficiency Ratio
81.72%
Rank 1,019 of 1,682
Equity / Assets
15.26%
Rank 525 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 909 / 1,683 | ||
| Return on Equity | 4.47% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,024 / 1,681 | ||
| Net Interest Margin | 2.89% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,504 / 1,683 | ||
| Efficiency Ratio | 81.72% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,019 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 66% | 566 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 525 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 525 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 19.02% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,653 / 1,683 | ||
| Loans / Assets | 16.75% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,650 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||