Velma, OK · Charter 8962
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.85% | 2.23% | 0.83% | 1.64% | 2.08% | +23 bps | |
| Return on Equity | 12.89% | 14.68% | 5.59% | 10.99% | 13.70% | +82 bps | |
| Net Interest Margin | 5.97% | 6.26% | 6.11% | 6.81% | 6.54% | +58 bps | |
| Efficiency Ratio | 71.19% | 66.66% | 87.34% | 76.90% | 69.70% | -149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.87% | 2.16% | -1.52% | 0.92% | 0.60% | -327 bps | |
| Loan Growth (YoY) | -3.20% | 1.35% | -0.53% | -4.28% | -3.23% | -3 bps | |
| Share Growth (YoY) | 2.68% | 0.22% | -2.74% | -0.28% | -0.25% | -293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.70% | 1.49% | 1.28% | 1.33% | 1.17% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.34% | 15.19% | 14.85% | 14.96% | 15.16% | +82 bps | |
| Net Worth / Assets | 14.34% | 15.19% | 14.85% | 14.96% | 15.16% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |