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Arkansas Kraft Employees

Morrilton, AR · Charter 17849

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Arkansas Kraft Employees

Morrilton, AR · Charter 17849

NCUA · 1 branch

Q2 2026

$4.4MAssets
$2.4MLoans
$3.1MShares
$1.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.39%, up 32 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.19% of loans (-64 bps YoY).
  • Capital: net worth / assets of 28.77%, up 42 bps from a year ago.
  • Funding: loans stand at 77.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+10 bps YoY

Efficiency Ratio (YTD, annualized)

88.87%-908 bps YoY

Net Worth / Assets

28.77%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.42%0.36%0.46%0.39%+32 bps
Return on Equity0.24%1.49%1.26%1.62%1.35%+112 bps
Net Interest Margin3.23%3.26%3.32%3.51%3.33%+10 bps
Efficiency Ratio97.95%87.49%87.59%87.02%88.87%-908 bps
Growth
Asset Growth (YoY)-5.72%0.06%-0.14%3.22%0.37%+609 bps
Loan Growth (YoY)-3.09%-8.40%-2.11%-15.43%-17.91%-1,482 bps
Share Growth (YoY)-8.33%-0.27%-0.70%3.62%-0.25%+808 bps
Asset Quality
Delinquent Loans / Loans0.83%0.71%1.14%0.79%0.19%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.08%0.19%0.20%0.38%+30 bps
Capital
Risk-Based Capital28.35%27.92%28.54%28.33%28.77%+42 bps
Net Worth / Assets28.35%27.92%28.54%28.33%28.77%+42 bps
Liquidity & Funding
Loans / Shares93.77%86.87%88.29%80.89%77.17%-1,660 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Arkansas Kraft Employees

Morrilton, AR · Charter 17849 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$4.4MAssets
$2.4MLoans
$3.1MShares
$1.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 5 of 61).
  • Widest gap: return on equity trails 66% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 40 of 61).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.41%

Rank 27 of 61

Net Interest Margin

3.31%

Rank 36 of 61

Efficiency Ratio

89.33%

Rank 37 of 60

Equity / Assets

28.76%

Rank 5 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%-0.02%0.37%0.88%Beats 56%27 / 61
Return on Equity1.42%-0.25%2.65%5.53%Beats 34%40 / 61
Net Interest Margin3.31%3.07%3.57%4.09%Beats 41%36 / 61
Efficiency Ratio89.33%71.78%87.58%95.00%Beats 40%37 / 60
Asset Quality
Nonperforming Loans / Loans0.21%0.44%1.06%1.85%Beats 78%14 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio28.76%9.78%12.37%17.30%Beats 92%5 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets28.76%9.78%12.37%17.30%Beats 92%5 / 61
Liquidity & Funding
Loans / Deposits77.17%37.27%62.33%76.91%75th pctl15 / 61
Loans / Assets54.75%30.13%54.75%64.37%49th pctl31 / 61
Brokered Deposits / Depositsn/aNot reported for this institution