PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bison

Shawnee, OK · Charter 7149

NCUA · 1 branch

Q2 2026

$42.5MAssets
$7.1MLoans
$37.4MShares
$6.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, down 15 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.39% of loans (+32 bps YoY).
  • Capital: net worth / assets of 15.26%, up 100 bps from a year ago.
  • Funding: loans stand at 19.02% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.68%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.89%+12 bps YoY

Efficiency Ratio (quarter, annualized)

81.67%+429 bps YoY

Net Worth / Assets

15.26%+100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%0.86%0.61%0.68%-15 bps
Return on Equity5.84%6.09%5.85%4.15%4.48%-136 bps
Net Interest Margin2.77%2.83%2.79%2.79%2.89%+12 bps
Efficiency Ratio77.38%76.15%76.76%83.13%81.67%+429 bps
Growth
Asset Growth (YoY)5.91%1.05%2.84%-0.94%-1.42%-733 bps
Loan Growth (YoY)-16.65%-16.38%-14.34%-13.92%-11.63%+502 bps
Share Growth (YoY)4.05%-0.83%-1.24%-3.00%-3.12%-716 bps
Asset Quality
Delinquent Loans / Loans0.07%0.03%0.31%0.55%0.39%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.27%14.75%14.75%14.81%15.26%+100 bps
Net Worth / Assets14.27%14.75%14.75%14.81%15.26%+100 bps
Liquidity & Funding
Loans / Shares20.85%20.77%19.86%19.17%19.02%-183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps