Tulsa, OK · Charter 9248
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
83
Asset Quality
82
Profitability
24
Liquidity
0
Efficiency
33
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.
Tulsa, OK · Charter 9248
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 | 0.30% | 0.09% | 0.38% | 0.46% | 0.45% | 0.13% | 0.59% | 0.47% | +1 bps | |
| Return on Equity | 1.73% | 0.54% | 2.24% | 2.53% | 2.53% | 0.75% | 3.25% | 2.53% | +1 bps | |
| Net Interest Margin | 2.54% | 2.46% | 2.57% | 2.78% | 2.74% | 2.84% | 3.05% | 3.10% | +31 bps | |
| Efficiency Ratio | 88.19% | 92.52% | 87.33% | 83.15% | 84.14% | 90.25% | 83.31% | 84.19% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.78% | 0.38% | -0.96% | -5.75% | -1.67% | -8.48% | -6.13% | -2.38% | +337 bps | |
| Loan Growth (YoY) | 7.97% | -0.86% | -2.37% | -0.69% | -5.50% | 6.70% | 3.24% | 0.42% | +111 bps | |
| Share Growth (YoY) | -9.41% | 0.39% | -1.28% | -7.07% | -2.17% | -10.24% | -7.55% | -3.01% | +406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.33% | 1.00% | 1.13% | 2.78% | 1.08% | 0.30% | 0.15% | -97 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 | 17.23% | 16.36% | 17.05% | 18.09% | 17.73% | 17.97% | 18.30% | 18.62% | +53 bps | |
| Net Worth / Assets | 17.23% | 16.36% | 17.05% | 18.09% | 17.73% | 17.97% | 18.30% | 18.62% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.76% | 30.76% | 32.29% | 34.78% | 32.62% | 36.57% | 36.06% | 36.01% | +123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 9248 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.48%
Rank 1,159 of 1,683
Net Interest Margin
3.09%
Rank 1,394 of 1,683
Efficiency Ratio
83.96%
Rank 1,134 of 1,682
Equity / Assets
18.62%
Rank 294 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,159 / 1,683 | ||
| Return on Equity | 2.58% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,281 / 1,681 | ||
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,394 / 1,683 | ||
| Efficiency Ratio | 83.96% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,134 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 312 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.62% | 10.44% | 12.89% | 16.53% | Beats 83% | 294 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.62% | 10.44% | 12.89% | 16.53% | Beats 83% | 294 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.01% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,548 / 1,683 | ||
| Loans / Assets | 29.24% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,562 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||