Mena, AR · Charter 18343
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.97% | 0.85% | 1.35% | 1.59% | +58 bps | |
| Return on Equity | 3.39% | 3.00% | 2.48% | 4.00% | 4.89% | +151 bps | |
| Net Interest Margin | 3.98% | 4.60% | 4.90% | 5.02% | 4.79% | +81 bps | |
| Efficiency Ratio | 76.32% | 80.03% | 81.28% | 74.64% | 68.82% | -750 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.49% | -8.21% | -9.76% | -10.50% | -4.45% | -495 bps | |
| Loan Growth (YoY) | 9.63% | 3.07% | 22.44% | 27.64% | 19.27% | +964 bps | |
| Share Growth (YoY) | -1.20% | -13.07% | -15.43% | -16.38% | -8.10% | -690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.21% | 0.12% | 0.00% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.08% | 0.09% | 0.00% | 0.00% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.83% | 32.23% | 34.41% | 33.75% | 32.39% | +255 bps | |
| Net Worth / Assets | 29.83% | 32.23% | 34.41% | 33.75% | 32.39% | +255 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.47% | 90.55% | 111.54% | 118.21% | 108.32% | +2,486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |