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 | |