Clearway
Malvern, AR · Charter 13762 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$79.6MAssets
$57.5MLoans
$63.7MShares
$17.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 54 of 1683).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets (rank 1131 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |