Malvern, AR · Charter 13762
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
91
Asset Quality
58
Profitability
66
Liquidity
8
Efficiency
33
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.
Malvern, AR · Charter 13762
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 | 1.48% | 1.32% | 1.65% | 1.11% | 1.00% | 0.90% | 0.35% | 0.99% | -13 bps | |
| Return on Equity | 6.76% | 6.03% | 7.53% | 5.07% | 4.42% | 4.05% | 1.62% | 4.39% | -68 bps | |
| Net Interest Margin | 5.81% | 5.79% | 5.66% | 5.72% | 5.90% | 5.79% | 5.59% | 5.77% | +5 bps | |
| Efficiency Ratio | 78.20% | 78.39% | 75.91% | 79.91% | 80.30% | 80.21% | 87.74% | 83.89% | +398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.32% | -4.97% | -2.05% | 0.21% | 1.19% | 2.46% | 2.93% | 1.14% | +93 bps | |
| Loan Growth (YoY) | 15.64% | 9.24% | 8.79% | 3.35% | 3.93% | 6.64% | 6.21% | 8.44% | +509 bps | |
| Share Growth (YoY) | -11.97% | -6.96% | -3.75% | -0.75% | 0.59% | 3.44% | 3.28% | 1.87% | +262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.33% | 0.56% | 0.39% | 0.57% | 0.77% | 0.82% | 0.52% | +13 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 | 21.96% | 21.96% | 21.85% | 21.99% | 22.63% | 22.29% | 21.76% | 22.54% | +55 bps | |
| Net Worth / Assets | 21.96% | 21.96% | 21.85% | 21.99% | 22.63% | 22.29% | 21.76% | 22.54% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.53% | 85.66% | 84.03% | 84.72% | 89.41% | 88.31% | 86.41% | 90.18% | +546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Malvern, AR · Charter 13762 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.99%
Rank 601 of 1,683
Net Interest Margin
5.77%
Rank 54 of 1,683
Efficiency Ratio
83.87%
Rank 1,131 of 1,682
Equity / Assets
22.54%
Rank 148 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 601 / 1,683 | ||
| Return on Equity | 4.39% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,035 / 1,681 | ||
| Net Interest Margin | 5.77% | 3.31% | 3.82% | 4.32% | Beats 97% | 54 / 1,683 | ||
| Efficiency Ratio | 83.87% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,131 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 712 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.54% | 10.44% | 12.89% | 16.53% | Beats 91% | 148 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.54% | 10.44% | 12.89% | 16.53% | Beats 91% | 148 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.18% | 52.61% | 69.38% | 83.50% | 86th pctl | 231 / 1,683 | ||
| Loans / Assets | 72.18% | 44.71% | 59.18% | 70.72% | 78th pctl | 371 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||