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 | |