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Success

Blytheville, AR · Charter 12808

NCUA · 5 branches

Q2 2026

$217.7MAssets
$128.4MLoans
$183.8MShares
$33.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.58%, up 54 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.69% of loans (+36 bps YoY).
  • Capital: net worth / assets of 15.16%, up 120 bps from a year ago.
  • Funding: loans stand at 69.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+35 bps YoY

Efficiency Ratio (YTD, annualized)

58.00%-691 bps YoY

Net Worth / Assets

15.16%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.29%1.44%1.20%1.58%+54 bps
Return on Equity7.43%8.95%9.65%8.15%10.39%+296 bps
Net Interest Margin3.23%3.29%3.37%3.49%3.58%+35 bps
Efficiency Ratio64.92%63.41%62.08%61.34%58.00%-691 bps
Growth
Asset Growth (YoY)8.72%7.06%9.07%5.19%3.13%-559 bps
Loan Growth (YoY)-4.09%-2.90%-0.24%2.27%3.92%+801 bps
Share Growth (YoY)7.50%5.58%6.85%3.44%1.13%-637 bps
Asset Quality
Delinquent Loans / Loans0.33%0.55%0.94%0.64%0.69%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.96%14.45%14.91%14.75%15.16%+120 bps
Net Worth / Assets13.96%14.45%14.91%14.75%15.16%+120 bps
Liquidity & Funding
Loans / Shares67.96%68.68%69.70%68.54%69.84%+188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps