Muskogee, OK · Charter 946
NCUA · 3 branches
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 | 1.44% | 1.57% | 1.80% | 1.81% | 1.85% | 1.82% | 1.90% | 1.84% | +4 bps | |
| Return on Equity | 13.92% | 14.72% | 16.43% | 16.02% | 15.78% | 15.32% | 15.72% | 14.73% | -128 bps | |
| Net Interest Margin | 3.51% | 3.51% | 3.74% | 3.82% | 3.88% | 3.80% | 3.77% | 3.81% | 0 bps | |
| Efficiency Ratio | 67.81% | 65.68% | 62.98% | 63.09% | 62.45% | 61.96% | 60.82% | 60.91% | -218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | 3.51% | 4.32% | 5.15% | 5.60% | 5.98% | 6.60% | 5.65% | +51 bps | |
| Loan Growth (YoY) | 3.66% | 4.72% | 2.57% | 4.88% | 2.89% | -1.52% | -2.10% | -2.80% | -768 bps | |
| Share Growth (YoY) | -0.29% | 2.17% | 2.70% | 3.47% | 3.83% | 4.25% | 5.04% | 3.99% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.29% | 0.29% | 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 | 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 | 10.38% | 10.64% | 10.94% | 11.27% | 11.71% | 11.85% | 12.10% | 12.51% | +124 bps | |
| Net Worth / Assets | 10.38% | 10.64% | 10.94% | 11.27% | 11.71% | 11.85% | 12.10% | 12.51% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.96% | 41.42% | 40.45% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |