PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees

Tulsa, OK · Charter 9715

NCUA · 3 branches

Q2 2026

$46.8MAssets
$28.1MLoans
$42.6MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.25%, up 5 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.98% of loans (-259 bps YoY).
  • Capital: net worth / assets of 8.54%, up 19 bps from a year ago.
  • Funding: loans stand at 65.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.24%+62 bps YoY

Efficiency Ratio (YTD, annualized)

93.69%+7 bps YoY

Net Worth / Assets

8.54%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.15%0.21%-0.08%0.25%+5 bps
Return on Equity2.42%1.76%2.50%-0.94%2.97%+54 bps
Net Interest Margin3.63%3.67%3.80%3.99%4.24%+62 bps
Efficiency Ratio93.62%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 / Loans3.57%3.21%3.34%1.42%0.98%-259 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.35%8.31%8.29%8.16%8.54%+19 bps
Net Worth / Assets8.35%8.31%8.29%8.16%8.54%+19 bps
Liquidity & Funding
Loans / Shares60.88%61.78%61.54%60.78%65.83%+495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps