Shawnee, OK · Charter 7149
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |