Morrilton, AR · Charter 17849
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.78% | -1.55% | 0.07% | 0.42% | 0.36% | 0.46% | 0.39% | +32 bps | |
| Return on Equity | 3.92% | 2.76% | -5.48% | 0.24% | 1.49% | 1.26% | 1.62% | 1.35% | +112 bps | |
| Net Interest Margin | 3.82% | 3.71% | 2.25% | 3.23% | 3.26% | 3.32% | 3.51% | 3.33% | +10 bps | |
| Efficiency Ratio | 72.17% | 75.51% | 167.24% | 97.95% | 87.49% | 87.59% | 87.02% | 88.87% | -908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -3.46% | -7.40% | -5.72% | 0.06% | -0.14% | 3.22% | 0.37% | +609 bps | |
| Loan Growth (YoY) | -1.54% | -5.32% | 4.58% | -3.09% | -8.40% | -2.11% | -15.43% | -17.91% | -1,482 bps | |
| Share Growth (YoY) | -4.59% | -5.97% | -10.87% | -8.33% | -0.27% | -0.70% | 3.62% | -0.25% | +808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 0.00% | 0.00% | 0.83% | 0.71% | 1.14% | 0.79% | 0.19% | -64 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 | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.19% | 0.20% | 0.38% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.68% | 28.14% | 28.37% | 28.35% | 27.92% | 28.54% | 28.33% | 28.77% | +42 bps | |
| Net Worth / Assets | 27.68% | 28.14% | 28.37% | 28.35% | 27.92% | 28.54% | 28.33% | 28.77% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.57% | 89.56% | 99.11% | 93.77% | 86.87% | 88.29% | 80.89% | 77.17% | -1,660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |