Pine Bluff, AR · Charter 12601
NCUA · 3 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
94
Asset Quality
22
Profitability
58
Liquidity
79
Efficiency
64
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 12601
NCUA · 3 branches
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 | 1.49% | 1.34% | 1.40% | 1.32% | 1.33% | 1.25% | 1.35% | 1.14% | -18 bps | |
| Return on Equity | 6.56% | 5.81% | 6.04% | 5.62% | 5.60% | 5.24% | 5.58% | 4.65% | -97 bps | |
| Net Interest Margin | 4.22% | 4.33% | 4.29% | 4.33% | 4.33% | 4.29% | 4.06% | 4.05% | -28 bps | |
| Efficiency Ratio | 63.15% | 65.35% | 66.45% | 66.95% | 66.18% | 67.67% | 73.92% | 73.31% | +636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 7.71% | 0.01% | 0.49% | 0.06% | 1.60% | 0.35% | 0.08% | -41 bps | |
| Loan Growth (YoY) | 9.33% | 7.14% | -0.87% | -8.11% | -4.77% | -5.13% | -4.67% | -3.06% | +505 bps | |
| Share Growth (YoY) | 8.01% | 8.18% | -1.70% | -0.86% | -1.52% | 0.42% | -1.18% | -1.46% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.42% | 2.44% | 2.12% | 2.36% | 2.26% | 2.51% | 1.36% | 1.49% | -87 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 | 22.67% | 23.15% | 23.14% | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Net Worth / Assets | 22.67% | 23.15% | 23.14% | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.84% | 68.82% | 65.27% | 63.92% | 65.60% | 65.02% | 62.96% | 62.88% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pine Bluff, AR · Charter 12601 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.14%
Rank 465 of 1,683
Net Interest Margin
4.05%
Rank 632 of 1,683
Efficiency Ratio
73.34%
Rank 609 of 1,682
Equity / Assets
24.54%
Rank 109 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 465 / 1,683 | ||
| Return on Equity | 4.65% | 2.67% | 5.89% | 8.74% | Beats 41% | 996 / 1,681 | ||
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 62% | 632 / 1,683 | ||
| Efficiency Ratio | 73.34% | 68.91% | 78.20% | 86.93% | Beats 64% | 609 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.49% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,317 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.54% | 10.44% | 12.89% | 16.53% | Beats 94% | 109 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.54% | 10.44% | 12.89% | 16.53% | Beats 94% | 109 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.88% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,021 / 1,683 | ||
| Loans / Assets | 47.36% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,190 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||