Crossett, AR · Charter 11678
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
86
Asset Quality
12
Profitability
29
Liquidity
96
Efficiency
9
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.
Crossett, AR · Charter 11678
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 | -0.14% | 0.05% | -1.43% | -1.48% | -0.80% | -0.74% | -0.98% | -0.61% | +87 bps | |
| Return on Equity | -0.70% | 0.23% | -7.24% | -7.56% | -4.00% | -3.69% | -4.99% | -3.09% | +447 bps | |
| Net Interest Margin | 4.11% | 4.16% | 4.11% | 4.16% | 4.29% | 4.34% | 4.25% | 4.26% | +11 bps | |
| Efficiency Ratio | 95.21% | 94.38% | 92.87% | 95.54% | 93.97% | 95.02% | 96.78% | 97.50% | +196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.84% | -0.77% | 0.43% | -0.04% | -1.11% | -1.33% | -2.33% | -1.69% | -165 bps | |
| Loan Growth (YoY) | -1.41% | -1.25% | -5.04% | -5.53% | -6.38% | -6.81% | -5.31% | -6.75% | -123 bps | |
| Share Growth (YoY) | -0.61% | -0.79% | 0.28% | 0.08% | -1.58% | -1.85% | -2.27% | -2.17% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 2.35% | 2.18% | 2.07% | 2.29% | 2.32% | 1.68% | 2.22% | +15 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 | 20.22% | 20.46% | 19.74% | 19.56% | 20.00% | 20.00% | 19.59% | 19.61% | +5 bps | |
| Net Worth / Assets | 20.22% | 20.46% | 19.74% | 19.56% | 20.00% | 20.00% | 19.59% | 19.61% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.93% | 76.72% | 71.32% | 71.40% | 71.28% | 72.84% | 69.10% | 68.05% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Crossett, AR · Charter 11678 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.61%
Rank 1,582 of 1,683
Net Interest Margin
4.26%
Rank 459 of 1,683
Efficiency Ratio
97.48%
Rank 1,536 of 1,682
Equity / Assets
19.61%
Rank 243 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.61% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,582 / 1,683 | ||
| Return on Equity | -3.10% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,570 / 1,681 | ||
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 459 / 1,683 | ||
| Efficiency Ratio | 97.48% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,536 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.23% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,480 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.61% | 10.44% | 12.89% | 16.53% | Beats 86% | 243 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.61% | 10.44% | 12.89% | 16.53% | Beats 86% | 243 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.06% | 52.61% | 69.38% | 83.50% | 48th pctl | 876 / 1,683 | ||
| Loans / Assets | 56.97% | 44.71% | 59.18% | 70.72% | 45th pctl | 918 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||