Fort Smith, AR · Charter 1248
NCUA · 1 branch
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
93
Asset Quality
72
Profitability
47
Liquidity
9
Efficiency
86
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.
Fort Smith, AR · Charter 1248
NCUA · 1 branch
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 | 0.70% | 0.88% | 0.64% | 1.13% | 1.11% | 1.04% | 0.67% | 0.99% | -13 bps | |
| Return on Equity | 3.28% | 4.01% | 2.86% | 5.05% | 4.78% | 4.36% | 2.82% | 4.21% | -84 bps | |
| Net Interest Margin | 2.99% | 3.14% | 3.34% | 3.25% | 3.35% | 3.42% | 3.69% | 3.62% | +38 bps | |
| Efficiency Ratio | 69.18% | 66.77% | 64.60% | 65.77% | 67.21% | 66.24% | 61.69% | 62.81% | -296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.66% | -4.61% | -4.01% | -2.97% | -3.37% | -3.12% | -0.28% | -0.50% | +248 bps | |
| Loan Growth (YoY) | -1.10% | -7.29% | -8.21% | -0.24% | 0.54% | -2.44% | -1.89% | -5.88% | -564 bps | |
| Share Growth (YoY) | -10.56% | -7.01% | -6.52% | -5.25% | -5.77% | -5.46% | -1.70% | -2.06% | +319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.19% | 0.12% | 0.03% | 0.07% | 0.09% | 0.39% | 0.31% | +28 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 | 21.42% | 21.98% | 22.52% | 22.30% | 23.32% | 23.82% | 23.70% | 23.57% | +127 bps | |
| Net Worth / Assets | 21.42% | 21.98% | 22.52% | 22.30% | 23.32% | 23.82% | 23.70% | 23.57% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.87% | 44.70% | 43.70% | 43.20% | 47.88% | 46.12% | 43.61% | 41.52% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Smith, AR · Charter 1248 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 602 of 1,683
Net Interest Margin
3.64%
Rank 1,005 of 1,683
Efficiency Ratio
62.40%
Rank 230 of 1,682
Equity / Assets
23.57%
Rank 124 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 602 / 1,683 | ||
| Return on Equity | 4.19% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,065 / 1,681 | ||
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,005 / 1,683 | ||
| Efficiency Ratio | 62.40% | 68.91% | 78.20% | 86.93% | Beats 86% | 230 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 478 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.57% | 10.44% | 12.89% | 16.53% | Beats 93% | 124 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.57% | 10.44% | 12.89% | 16.53% | Beats 93% | 124 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.52% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,474 / 1,683 | ||
| Loans / Assets | 31.67% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,527 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||