Benton, AR · Charter 11786
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.70% | 0.89% | 0.78% | 0.73% | 0.61% | 0.48% | 0.52% | -27 bps | |
| Return on Equity | 6.15% | 6.40% | 8.32% | 7.64% | 7.20% | 6.19% | 5.05% | 5.32% | -232 bps | |
| Net Interest Margin | 2.83% | 2.90% | 3.11% | 2.88% | 2.76% | 2.63% | 2.21% | 2.34% | -54 bps | |
| Efficiency Ratio | 80.40% | 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 / Loans | 0.74% | 0.56% | 0.62% | 0.64% | 0.68% | 0.83% | 0.60% | 0.44% | -20 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 | 10.82% | 10.88% | 10.71% | 10.27% | 10.17% | 9.91% | 9.45% | 9.76% | -51 bps | |
| Net Worth / Assets | 10.82% | 10.88% | 10.71% | 10.27% | 10.17% | 9.91% | 9.45% | 9.76% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.60% | 89.29% | 88.77% | 86.23% | 91.92% | 85.91% | 82.07% | 83.97% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |