Fort Smith Teachers
Fort Smith, AR · Charter 1248 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$13.1MAssets
$4.2MLoans
$10.0MShares
$3.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets (rank 124 of 1683).
- Widest gap: return on equity trails 63% of credit unions under $1B in assets (rank 1065 of 1681).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |