Tulsa, OK · Charter 9715
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 | 0.01% | 0.04% | 0.18% | 0.20% | 0.15% | 0.21% | -0.08% | 0.25% | +5 bps | |
| Return on Equity | 0.08% | 0.42% | 2.18% | 2.42% | 1.76% | 2.50% | -0.94% | 2.97% | +54 bps | |
| Net Interest Margin | 3.34% | 3.46% | 3.64% | 3.63% | 3.67% | 3.80% | 3.99% | 4.24% | +62 bps | |
| Efficiency Ratio | 97.97% | 97.16% | 93.57% | 93.62% | 94.87% | 93.87% | 96.82% | 93.69% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -1.00% | -1.60% | -0.84% | 4.07% | 2.32% | 1.11% | -1.35% | -51 bps | |
| Loan Growth (YoY) | -7.66% | -1.06% | 2.41% | 6.85% | 12.16% | 6.84% | 5.47% | 6.37% | -48 bps | |
| Share Growth (YoY) | -4.22% | -1.77% | -2.03% | -0.60% | 2.01% | 3.65% | 1.84% | -1.63% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.57% | 4.18% | 3.18% | 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 | 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 | 8.48% | 8.41% | 8.24% | 8.35% | 8.31% | 8.29% | 8.16% | 8.54% | +19 bps | |
| Net Worth / Assets | 8.48% | 8.41% | 8.24% | 8.35% | 8.31% | 8.29% | 8.16% | 8.54% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.19% | 59.70% | 58.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |