PackageTrendsPeer
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Hurricane Creek

Benton, AR · Charter 11786

NCUA · 1 branch

Q2 2026

$72.4MAssets
$54.7MLoans
$65.1MShares
$7.1MNet 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 0.52%, 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.

Financial Results

Return on Assets (quarter, annualized)

0.52%-27 bps YoY

Net Interest Margin (quarter, annualized)

2.34%-54 bps YoY

Efficiency Ratio (quarter, annualized)

83.08%+920 bps YoY

Net Worth / Assets

9.76%-51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.73%0.61%0.48%0.52%-27 bps
Return on Equity7.64%7.20%6.19%5.05%5.32%-232 bps
Net Interest Margin2.88%2.76%2.63%2.21%2.34%-54 bps
Efficiency Ratio73.88%77.37%80.46%84.17%83.08%+920 bps
Growth
Asset Growth (YoY)15.49%14.44%16.85%19.65%10.67%-482 bps
Loan Growth (YoY)18.59%22.27%13.79%12.24%8.39%-1,020 bps
Share Growth (YoY)16.52%15.19%18.26%21.42%11.31%-521 bps
Asset Quality
Delinquent Loans / Loans0.64%0.68%0.83%0.60%0.44%-20 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 Capital10.27%10.17%9.91%9.45%9.76%-51 bps
Net Worth / Assets10.27%10.17%9.91%9.45%9.76%-51 bps
Liquidity & Funding
Loans / Shares86.23%91.92%85.91%82.07%83.97%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps