PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

OK Members First

Tulsa, OK · Charter 7154

NCUA · 1 branch

Q2 2026

$24.4MAssets
$18.3MLoans
$20.7MShares
$3.6MNet 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 0.33%, up 2 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 0.72% of loans (+9 bps YoY).
  • Capital: net worth / assets of 14.87%, up 153 bps from a year ago.
  • Funding: loans stand at 88.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.78%+122 bps YoY

Efficiency Ratio (YTD, annualized)

90.12%-57 bps YoY

Net Worth / Assets

14.87%+153 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.31%0.31%0.36%0.33%+2 bps
Return on Equity2.34%2.23%2.09%2.43%2.25%-9 bps
Net Interest Margin3.56%3.75%3.99%4.17%4.78%+122 bps
Efficiency Ratio90.69%89.96%91.33%86.46%90.12%-57 bps
Growth
Asset Growth (YoY)-1.94%-7.08%-9.31%-8.08%-8.41%-647 bps
Loan Growth (YoY)-14.39%-11.72%-9.47%4.47%12.44%+2,683 bps
Share Growth (YoY)-2.53%-8.50%-9.82%-9.76%-9.13%-660 bps
Asset Quality
Delinquent Loans / Loans0.63%0.67%1.11%0.73%0.72%+9 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 Capital13.34%13.93%14.63%14.62%14.87%+153 bps
Net Worth / Assets13.34%13.93%14.63%14.62%14.87%+153 bps
Liquidity & Funding
Loans / Shares71.51%74.30%77.81%86.77%88.49%+1,698 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps