Benton, AR · Charter 11913
NCUA · 2 branches
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 | 0.08% | 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 | |