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Department of Public Safety

Oklahoma City, OK · Charter 8890

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Oklahoma City, OK area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Department of Public Safety

Oklahoma City, OK · Charter 8890

NCUA · 1 branch

Q2 2026

$25.3MAssets
$12.8MLoans
$21.2MShares
$4.3MNet 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 -0.28%, down 63 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.36% of loans (+114 bps YoY).
  • Capital: net worth / assets of 17.12%, up 119 bps from a year ago.
  • Funding: loans stand at 60.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-63 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+56 bps YoY

Efficiency Ratio (YTD, annualized)

94.16%+823 bps YoY

Net Worth / Assets

17.12%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.16%0.19%0.14%-0.28%-63 bps
Return on Equity2.24%1.02%1.19%0.84%-1.62%-385 bps
Net Interest Margin3.52%3.49%3.60%3.95%4.07%+56 bps
Efficiency Ratio85.92%86.98%88.12%84.84%94.16%+823 bps
Growth
Asset Growth (YoY)-1.42%0.61%0.17%-5.21%-7.63%-621 bps
Loan Growth (YoY)-3.49%-5.45%-3.12%-4.22%-0.47%+302 bps
Share Growth (YoY)-1.69%1.61%-2.09%-6.75%-9.03%-733 bps
Asset Quality
Delinquent Loans / Loans0.23%0.23%0.29%0.48%1.36%+114 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 Capital15.93%15.66%15.95%16.84%17.12%+119 bps
Net Worth / Assets15.93%15.66%15.95%16.84%17.12%+119 bps
Liquidity & Funding
Loans / Shares55.22%54.89%56.57%58.39%60.41%+520 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Department of Public Safety

Oklahoma City, OK · Charter 8890 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)

NCUA · 1 branch

Q2 2026

$25.3MAssets
$12.8MLoans
$21.2MShares
$4.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 71% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 5 of 17).
  • Widest gap: return on equity trails 94% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 16 of 17).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-0.28%

Rank 16 of 17

Net Interest Margin

4.07%

Rank 8 of 17

Efficiency Ratio

94.25%

Rank 14 of 17

Equity / Assets

17.12%

Rank 5 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.28%0.09%0.50%0.87%Beats 6%16 / 17
Return on Equity-1.62%0.57%3.59%5.86%Beats 6%16 / 17
Net Interest Margin4.07%3.47%3.95%4.62%Beats 53%8 / 17
Efficiency Ratio94.25%72.40%84.09%93.29%Beats 24%14 / 17
Asset Quality
Nonperforming Loans / Loans1.36%0.24%0.51%0.96%Beats 18%15 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.12%9.54%12.63%17.12%Beats 71%5 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.12%9.54%12.63%17.12%Beats 71%5 / 17
Liquidity & Funding
Loans / Deposits60.41%65.22%80.30%85.86%12th pctl15 / 17
Loans / Assets50.67%51.37%68.04%74.15%18th pctl14 / 17
Brokered Deposits / Depositsn/aNot reported for this institution