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 | |