Fayetteville, AR · Charter 16946
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
53
Asset Quality
71
Profitability
70
Liquidity
62
Efficiency
56
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.
Fayetteville, AR · Charter 16946
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 | 0.75% | 0.77% | 1.16% | 1.04% | 1.21% | 1.17% | 1.20% | 1.15% | +11 bps | |
| Return on Equity | 6.76% | 6.84% | 10.14% | 8.92% | 9.88% | 9.41% | 9.19% | 8.73% | -19 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.52% | 3.69% | 3.78% | 3.79% | 4.10% | 4.02% | +33 bps | |
| Efficiency Ratio | 84.20% | 83.17% | 73.04% | 74.41% | 72.65% | 72.82% | 75.46% | 76.46% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 1.36% | 2.53% | 1.56% | -0.12% | -0.36% | -3.75% | -2.27% | -383 bps | |
| Loan Growth (YoY) | -3.62% | -8.41% | -6.33% | -6.81% | -4.83% | 1.45% | 2.27% | 5.38% | +1,219 bps | |
| Share Growth (YoY) | 2.20% | 0.60% | 1.52% | 1.00% | -1.71% | -2.10% | -5.42% | -4.04% | -504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.55% | 0.45% | 0.27% | 0.86% | 0.45% | 0.21% | 0.32% | +5 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 | 11.12% | 11.24% | 11.42% | 11.70% | 12.20% | 12.42% | 13.03% | 13.18% | +148 bps | |
| Net Worth / Assets | 11.12% | 11.24% | 11.42% | 11.70% | 12.20% | 12.42% | 13.03% | 13.18% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.51% | 71.18% | 70.62% | 71.11% | 73.11% | 73.77% | 76.36% | 78.09% | +698 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fayetteville, AR · Charter 16946 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.15%
Rank 449 of 1,683
Net Interest Margin
4.02%
Rank 657 of 1,683
Efficiency Ratio
76.45%
Rank 749 of 1,682
Equity / Assets
13.18%
Rank 789 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 449 / 1,683 | ||
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 421 / 1,681 | ||
| Net Interest Margin | 4.02% | 3.31% | 3.82% | 4.32% | Beats 61% | 657 / 1,683 | ||
| Efficiency Ratio | 76.45% | 68.91% | 78.20% | 86.93% | Beats 56% | 749 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 491 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 789 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 789 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.09% | 52.61% | 69.38% | 83.50% | 66th pctl | 573 / 1,683 | ||
| Loans / Assets | 66.70% | 44.71% | 59.18% | 70.72% | 66th pctl | 575 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||