Pine Bluff, AR · Charter 12601
NCUA · 3 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 | 1.32% | 1.33% | 1.25% | 1.35% | 1.14% | -18 bps | |
| Return on Equity | 5.62% | 5.60% | 5.24% | 5.58% | 4.65% | -97 bps | |
| Net Interest Margin | 4.33% | 4.33% | 4.29% | 4.06% | 4.05% | -28 bps | |
| Efficiency Ratio | 66.95% | 66.18% | 67.67% | 73.92% | 73.31% | +636 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.49% | 0.06% | 1.60% | 0.35% | 0.08% | -41 bps | |
| Loan Growth (YoY) | -8.11% | -4.77% | -5.13% | -4.67% | -3.06% | +505 bps | |
| Share Growth (YoY) | -0.86% | -1.52% | 0.42% | -1.18% | -1.46% | -61 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Net Worth / Assets | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |