Velma, OK · Charter 8962
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
68
Asset Quality
20
Profitability
97
Liquidity
0
Efficiency
73
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.
Velma, OK · Charter 8962
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 | 1.21% | 0.75% | 1.19% | 1.85% | 2.23% | 0.83% | 1.64% | 2.08% | +23 bps | |
| Return on Equity | 8.68% | 5.40% | 8.43% | 12.89% | 14.68% | 5.59% | 10.99% | 13.70% | +82 bps | |
| Net Interest Margin | 5.49% | 5.19% | 5.17% | 5.97% | 6.26% | 6.11% | 6.81% | 6.54% | +58 bps | |
| Efficiency Ratio | 79.52% | 86.74% | 78.74% | 71.19% | 66.66% | 87.34% | 76.90% | 69.70% | -149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.52% | -4.55% | -7.81% | 3.87% | 2.16% | -1.52% | 0.92% | 0.60% | -327 bps | |
| Loan Growth (YoY) | 19.45% | 17.04% | 15.91% | -3.20% | 1.35% | -0.53% | -4.28% | -3.23% | -3 bps | |
| Share Growth (YoY) | -5.93% | -5.98% | -9.96% | 2.68% | 0.22% | -2.74% | -0.28% | -0.25% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.53% | 2.16% | 1.67% | 1.00% | 0.20% | 2.04% | 1.55% | -12 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 | 1.66% | 1.77% | 1.68% | 1.70% | 1.49% | 1.28% | 1.33% | 1.17% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.98% | 13.80% | 14.16% | 14.34% | 15.19% | 14.85% | 14.96% | 15.16% | +82 bps | |
| Net Worth / Assets | 13.98% | 13.80% | 14.16% | 14.34% | 15.19% | 14.85% | 14.96% | 15.16% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.19% | 106.40% | 107.98% | 103.96% | 109.41% | 108.81% | 103.65% | 100.86% | -310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Velma, OK · Charter 8962 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.07%
Rank 68 of 1,683
Net Interest Margin
6.54%
Rank 20 of 1,683
Efficiency Ratio
69.81%
Rank 450 of 1,682
Equity / Assets
15.18%
Rank 535 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.07% | 0.35% | 0.74% | 1.18% | Beats 96% | 68 / 1,683 | ||
| Return on Equity | 13.65% | 2.67% | 5.89% | 8.74% | Beats 95% | 76 / 1,681 | ||
| Net Interest Margin | 6.54% | 3.31% | 3.82% | 4.32% | Beats 99% | 20 / 1,683 | ||
| Efficiency Ratio | 69.81% | 68.91% | 78.20% | 86.93% | Beats 73% | 450 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.56% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,349 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 535 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.18% | 10.44% | 12.89% | 16.53% | Beats 68% | 535 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.84% | 52.61% | 69.38% | 83.50% | 97th pctl | 52 / 1,683 | ||
| Loans / Assets | 85.05% | 44.71% | 59.18% | 70.72% | 98th pctl | 42 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||