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Crossett, AR · Charter 11678

NCUA · 3 branches

Q2 2026

$80.4MAssets
$45.8MLoans
$67.3MShares
$15.8MNet 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 -0.61%, up 87 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 2.22% of loans (+15 bps YoY).
  • Capital: net worth / assets of 19.61%, up 5 bps from a year ago.
  • Funding: loans stand at 68.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.61%+87 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+11 bps YoY

Efficiency Ratio (YTD, annualized)

97.50%+196 bps YoY

Net Worth / Assets

19.61%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.48%-0.80%-0.74%-0.98%-0.61%+87 bps
Return on Equity-7.56%-4.00%-3.69%-4.99%-3.09%+447 bps
Net Interest Margin4.16%4.29%4.34%4.25%4.26%+11 bps
Efficiency Ratio95.54%93.97%95.02%96.78%97.50%+196 bps
Growth
Asset Growth (YoY)-0.04%-1.11%-1.33%-2.33%-1.69%-165 bps
Loan Growth (YoY)-5.53%-6.38%-6.81%-5.31%-6.75%-123 bps
Share Growth (YoY)0.08%-1.58%-1.85%-2.27%-2.17%-225 bps
Asset Quality
Delinquent Loans / Loans2.07%2.29%2.32%1.68%2.22%+15 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 Capital19.56%20.00%20.00%19.59%19.61%+5 bps
Net Worth / Assets19.56%20.00%20.00%19.59%19.61%+5 bps
Liquidity & Funding
Loans / Shares71.40%71.28%72.84%69.10%68.05%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps