Tulsa, OK · Charter 9715
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
7
Asset Quality
34
Profitability
40
Liquidity
88
Efficiency
12
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 9715
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 | 0.20% | 0.15% | 0.21% | -0.08% | 0.25% | +5 bps | |
| Return on Equity | 2.42% | 1.76% | 2.50% | -0.94% | 2.97% | +54 bps | |
| Net Interest Margin | 3.63% | 3.67% | 3.80% | 3.99% | 4.24% | +62 bps | |
| Efficiency Ratio | 93.62% | 94.87% | 93.87% | 96.82% | 93.69% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.84% | 4.07% | 2.32% | 1.11% | -1.35% | -51 bps | |
| Loan Growth (YoY) | 6.85% | 12.16% | 6.84% | 5.47% | 6.37% | -48 bps | |
| Share Growth (YoY) | -0.60% | 2.01% | 3.65% | 1.84% | -1.63% | -103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.57% | 3.21% | 3.34% | 1.42% | 0.98% | -259 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 | 8.35% | 8.31% | 8.29% | 8.16% | 8.54% | +19 bps | |
| Net Worth / Assets | 8.35% | 8.31% | 8.29% | 8.16% | 8.54% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.88% | 61.78% | 61.54% | 60.78% | 65.83% | +495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tulsa, OK · Charter 9715 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.25%
Rank 1,346 of 1,683
Net Interest Margin
4.25%
Rank 468 of 1,683
Efficiency Ratio
93.66%
Rank 1,477 of 1,682
Equity / Assets
8.54%
Rank 1,566 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,346 / 1,683 | |
| Return on Equity | 2.95% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,219 / 1,681 | |
| Net Interest Margin | 4.25% | 3.31% | 3.82% | 4.32% | Beats 72% | 468 / 1,683 | |
| Efficiency Ratio | 93.66% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,477 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,114 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.54% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,566 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.54% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,566 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.83% | 52.61% | 69.38% | 83.50% | 43rd pctl | 955 / 1,683 | |
| Loans / Assets | 59.98% | 44.71% | 59.18% | 70.72% | 52nd pctl | 812 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||