Pine Bluff, AR · Charter 1245
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
4
Profitability
75
Liquidity
0
Efficiency
58
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.
Pine Bluff, AR · Charter 1245
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 2.31% | 1.78% | 0.68% | 1.16% | +30 bps | |
| Return on Equity | 5.62% | 14.28% | 11.37% | 4.19% | 6.81% | +119 bps | |
| Net Interest Margin | 5.02% | 4.96% | 4.82% | 4.97% | 5.00% | -2 bps | |
| Efficiency Ratio | 75.00% | 61.61% | 66.65% | 80.14% | 75.74% | +74 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.08% | -0.89% | 5.45% | 1.14% | 2.87% | +795 bps | |
| Loan Growth (YoY) | 9.12% | 7.52% | 9.03% | 2.62% | -1.38% | -1,051 bps | |
| Share Growth (YoY) | -6.64% | -4.40% | 5.74% | 1.85% | 4.23% | +1,087 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.00% | 5.75% | 5.42% | 2.31% | 4.73% | -126 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.26% | 16.20% | 15.67% | 16.33% | 17.03% | +177 bps | |
| Net Worth / Assets | 15.26% | 16.20% | 15.67% | 16.33% | 17.03% | +177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.00% | 103.05% | 101.98% | 97.67% | 95.56% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pine Bluff, AR · Charter 1245 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 438 of 1,683
Net Interest Margin
5.00%
Rank 144 of 1,683
Efficiency Ratio
75.75%
Rank 709 of 1,682
Equity / Assets
17.03%
Rank 389 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 438 / 1,683 | |
| Return on Equity | 6.81% | 2.67% | 5.89% | 8.74% | Beats 59% | 690 / 1,681 | |
| Net Interest Margin | 5.00% | 3.31% | 3.82% | 4.32% | Beats 91% | 144 / 1,683 | |
| Efficiency Ratio | 75.75% | 68.91% | 78.20% | 86.93% | Beats 58% | 709 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.73% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,624 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 389 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 389 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.56% | 52.61% | 69.38% | 83.50% | 94th pctl | 105 / 1,683 | |
| Loans / Assets | 76.47% | 44.71% | 59.18% | 70.72% | 86th pctl | 236 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||