PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alcoa Community

Benton, AR · Charter 11913

NCUA · 2 branches

Q2 2026

$69.5MAssets
$56.2MLoans
$63.1MShares
$5.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, down 7 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.52% of loans (+16 bps YoY).
  • Capital: net worth / assets of 7.73%, up 1 bps from a year ago.
  • Funding: loans stand at 89.17% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+28 bps YoY

Efficiency Ratio (YTD, annualized)

96.39%+92 bps YoY

Net Worth / Assets

7.73%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.03%0.23%0.17%0.20%0.25%0.24%0.10%-7 bps
Return on Equity0.94%0.41%3.02%2.19%2.56%3.24%3.01%1.27%-92 bps
Net Interest Margin3.57%3.55%3.95%3.94%4.06%4.14%4.21%4.22%+28 bps
Efficiency Ratio97.79%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 / Loans0.26%0.29%0.12%0.35%0.42%0.45%0.23%0.52%+16 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 Capital8.33%7.91%7.77%7.71%7.83%7.75%7.82%7.73%+1 bps
Net Worth / Assets8.33%7.91%7.77%7.71%7.83%7.75%7.82%7.73%+1 bps
Liquidity & Funding
Loans / Shares87.44%83.63%80.09%81.53%88.39%84.84%86.02%89.17%+765 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps