Muskogee, OK · Charter 946
NCUA · 3 branches
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
46
Asset Quality
54
Profitability
80
Liquidity
0
Efficiency
88
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.
Muskogee, OK · Charter 946
NCUA · 3 branches
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 | 1.81% | 1.85% | 1.82% | 1.90% | 1.84% | +4 bps | |
| Return on Equity | 16.02% | 15.78% | 15.32% | 15.72% | 14.73% | -128 bps | |
| Net Interest Margin | 3.82% | 3.88% | 3.80% | 3.77% | 3.81% | 0 bps | |
| Efficiency Ratio | 63.09% | 62.45% | 61.96% | 60.82% | 60.91% | -218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.15% | 5.60% | 5.98% | 6.60% | 5.65% | +51 bps | |
| Loan Growth (YoY) | 4.88% | 2.89% | -1.52% | -2.10% | -2.80% | -768 bps | |
| Share Growth (YoY) | 3.47% | 3.83% | 4.25% | 5.04% | 3.99% | +52 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.31% | 0.37% | 0.23% | 0.58% | +25 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.27% | 11.71% | 11.85% | 12.10% | 12.51% | +124 bps | |
| Net Worth / Assets | 11.27% | 11.71% | 11.85% | 12.10% | 12.51% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.55% | 40.59% | 39.12% | 37.70% | 37.90% | -265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muskogee, OK · Charter 946 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.84%
Rank 106 of 1,683
Net Interest Margin
3.81%
Rank 849 of 1,683
Efficiency Ratio
60.89%
Rank 202 of 1,682
Equity / Assets
12.51%
Rank 910 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 94% | 106 / 1,683 | |
| Return on Equity | 14.73% | 2.67% | 5.89% | 8.74% | Beats 97% | 53 / 1,681 | |
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 50% | 849 / 1,683 | |
| Efficiency Ratio | 60.89% | 68.91% | 78.20% | 86.93% | Beats 88% | 202 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 775 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.51% | 10.44% | 12.89% | 16.53% | Beats 46% | 910 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.51% | 10.44% | 12.89% | 16.53% | Beats 46% | 910 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.90% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,520 / 1,683 | |
| Loans / Assets | 33.47% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,500 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||