Benton, AR · Charter 11913
NCUA · 2 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 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.
Capital
0
Asset Quality
58
Profitability
37
Liquidity
0
Efficiency
32
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.
Benton, AR · Charter 11913
NCUA · 2 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 | 0.08% | 0.03% | 0.23% | 0.17% | 0.20% | 0.25% | 0.24% | 0.10% | -7 bps | |
| Return on Equity | 0.94% | 0.41% | 3.02% | 2.19% | 2.56% | 3.24% | 3.01% | 1.27% | -92 bps | |
| Net Interest Margin | 3.57% | 3.55% | 3.95% | 3.94% | 4.06% | 4.14% | 4.21% | 4.22% | +28 bps | |
| Efficiency Ratio | 97.79% | 98.57% | 95.41% | 95.47% | 95.59% | 94.55% | 94.27% | 96.39% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.33% | 3.28% | 2.94% | 5.34% | 5.13% | 2.55% | -0.14% | -0.27% | -562 bps | |
| Loan Growth (YoY) | 2.34% | -0.36% | -0.28% | -0.35% | 5.95% | 4.25% | 6.70% | 8.35% | +870 bps | |
| Share Growth (YoY) | 2.65% | 3.11% | 3.20% | 7.23% | 4.80% | 2.77% | -0.66% | -0.94% | -817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.29% | 0.12% | 0.35% | 0.42% | 0.45% | 0.23% | 0.52% | +16 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 | 8.33% | 7.91% | 7.77% | 7.71% | 7.83% | 7.75% | 7.82% | 7.73% | +1 bps | |
| Net Worth / Assets | 8.33% | 7.91% | 7.77% | 7.71% | 7.83% | 7.75% | 7.82% | 7.73% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.44% | 83.63% | 80.09% | 81.53% | 88.39% | 84.84% | 86.02% | 89.17% | +765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Benton, AR · Charter 11913 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
0.10%
Rank 14 of 19
Net Interest Margin
4.22%
Rank 9 of 19
Efficiency Ratio
96.40%
Rank 14 of 19
Equity / Assets
7.73%
Rank 19 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.10% | -0.02% | 0.44% | 1.25% | Beats 26% | 14 / 19 | ||
| Return on Equity | 1.27% | -0.07% | 3.96% | 5.78% | Beats 32% | 13 / 19 | ||
| Net Interest Margin | 4.22% | 3.37% | 4.04% | 4.48% | Beats 53% | 9 / 19 | ||
| Efficiency Ratio | 96.40% | 69.76% | 87.77% | 101.21% | Beats 32% | 14 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.12% | 0.82% | 2.31% | Beats 58% | 9 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.73% | 11.21% | 13.34% | 22.44% | Beats 0% | 19 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.73% | 11.21% | 13.34% | 22.44% | Beats 0% | 19 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.17% | 56.40% | 66.97% | 83.97% | 89th pctl | 2 / 19 | ||
| Loans / Assets | 80.88% | 43.58% | 56.37% | 69.23% | 95th pctl | 1 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||