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 | |