Russellville, AR · Charter 18353
NCUA · 1 branch
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
24
Asset Quality
79
Profitability
26
Liquidity
28
Efficiency
2
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.
Russellville, AR · Charter 18353
NCUA · 1 branch
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 | 0.26% | 0.12% | -0.56% | -0.11% | -0.20% | -0.51% | 0.02% | -0.95% | -85 bps | |
| Return on Equity | 2.28% | 1.05% | -4.98% | -0.94% | -1.82% | -4.68% | 0.16% | -9.28% | -834 bps | |
| Net Interest Margin | 4.64% | 4.66% | 4.41% | 4.30% | 4.27% | 4.35% | 4.11% | 4.23% | -7 bps | |
| Efficiency Ratio | 95.55% | 98.16% | 102.62% | 101.14% | 103.42% | 107.26% | 105.90% | 120.90% | +1,976 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.74% | -5.80% | -9.97% | -6.84% | -1.23% | -2.57% | -0.94% | -0.43% | +641 bps | |
| Loan Growth (YoY) | -4.25% | -4.22% | -8.34% | -20.60% | -22.17% | -16.05% | -9.59% | 7.86% | +2,845 bps | |
| Share Growth (YoY) | -10.32% | -6.16% | -10.49% | -7.08% | -0.99% | -2.36% | -0.78% | 0.38% | +747 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 1.16% | 0.81% | 0.64% | 0.54% | 0.40% | 0.30% | 0.22% | -43 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 | 0.07% | 0.10% | 0.26% | 0.19% | 0.09% | 0.21% | 0.11% | 0.09% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.21% | 11.17% | 11.22% | 11.17% | 11.12% | 10.95% | 10.95% | 10.29% | -88 bps | |
| Net Worth / Assets | 11.21% | 11.17% | 11.22% | 11.17% | 11.12% | 10.95% | 10.95% | 10.29% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.15% | 91.71% | 87.95% | 79.84% | 75.58% | 78.85% | 80.14% | 85.78% | +594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Russellville, AR · Charter 18353 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.96%
Rank 1,614 of 1,683
Net Interest Margin
4.21%
Rank 501 of 1,683
Efficiency Ratio
121.20%
Rank 1,642 of 1,682
Equity / Assets
10.29%
Rank 1,287 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.96% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,614 / 1,683 | ||
| Return on Equity | -9.31% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,619 / 1,681 | ||
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 501 / 1,683 | ||
| Efficiency Ratio | 121.20% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,642 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.26% | 0.65% | 1.29% | Beats 79% | 357 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.29% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,287 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.29% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,287 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.78% | 52.61% | 69.38% | 83.50% | 79th pctl | 352 / 1,683 | ||
| Loans / Assets | 76.51% | 44.71% | 59.18% | 70.72% | 86th pctl | 232 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||