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Hurricane Creek

Benton, AR · Charter 11786

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hurricane Creek

Benton, AR · Charter 11786

NCUA · 1 branch

Q2 2026

$72.4MAssets
$54.7MLoans
$65.1MShares
$7.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, down 27 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.44% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.76%, down 51 bps from a year ago.
  • Funding: loans stand at 83.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-54 bps YoY

Efficiency Ratio (YTD, annualized)

83.08%+920 bps YoY

Net Worth / Assets

9.76%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.70%0.89%0.78%0.73%0.61%0.48%0.52%-27 bps
Return on Equity6.15%6.40%8.32%7.64%7.20%6.19%5.05%5.32%-232 bps
Net Interest Margin2.83%2.90%3.11%2.88%2.76%2.63%2.21%2.34%-54 bps
Efficiency Ratio80.40%80.11%74.82%73.88%77.37%80.46%84.17%83.08%+920 bps
Growth
Asset Growth (YoY)11.95%10.08%12.48%15.49%14.44%16.85%19.65%10.67%-482 bps
Loan Growth (YoY)23.02%26.40%21.84%18.59%22.27%13.79%12.24%8.39%-1,020 bps
Share Growth (YoY)12.50%10.28%13.11%16.52%15.19%18.26%21.42%11.31%-521 bps
Asset Quality
Delinquent Loans / Loans0.74%0.56%0.62%0.64%0.68%0.83%0.60%0.44%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.82%10.88%10.71%10.27%10.17%9.91%9.45%9.76%-51 bps
Net Worth / Assets10.82%10.88%10.71%10.27%10.17%9.91%9.45%9.76%-51 bps
Liquidity & Funding
Loans / Shares86.60%89.29%88.77%86.23%91.92%85.91%82.07%83.97%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hurricane Creek

Benton, AR · Charter 11786 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)

NCUA · 1 branch

Q2 2026

$72.4MAssets
$54.7MLoans
$65.1MShares
$7.1MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 6 of 19).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 18 of 19).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.52%

Rank 9 of 19

Net Interest Margin

2.34%

Rank 18 of 19

Efficiency Ratio

83.08%

Rank 8 of 19

Equity / Assets

9.76%

Rank 16 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.52%-0.02%0.44%1.25%Beats 53%9 / 19
Return on Equity5.32%-0.07%3.96%5.78%Beats 68%6 / 19
Net Interest Margin2.34%3.37%4.04%4.48%Beats 5%18 / 19
Efficiency Ratio83.08%69.76%87.77%101.21%Beats 63%8 / 19
Asset Quality
Nonperforming Loans / Loans0.44%0.12%0.82%2.31%Beats 68%7 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.76%11.21%13.34%22.44%Beats 16%16 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.76%11.21%13.34%22.44%Beats 16%16 / 19
Liquidity & Funding
Loans / Deposits83.97%56.40%66.97%83.97%74th pctl5 / 19
Loans / Assets75.47%43.58%56.37%69.23%84th pctl3 / 19
Brokered Deposits / Depositsn/aNot reported for this institution