Hot Springs, AR · Charter 18814
NCUA · 2 branches
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
80
Asset Quality
10
Profitability
75
Liquidity
95
Efficiency
86
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.
Hot Springs, AR · Charter 18814
NCUA · 2 branches
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 | 0.99% | 1.55% | 0.64% | 0.02% | 1.13% | +14 bps | |
| Return on Equity | 6.02% | 8.90% | 3.68% | 0.14% | 6.27% | +25 bps | |
| Net Interest Margin | 6.01% | 6.20% | 6.38% | 5.94% | 6.09% | +7 bps | |
| Efficiency Ratio | 62.30% | 61.65% | 65.34% | 63.11% | 62.86% | +56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.58% | 3.71% | 2.62% | -1.80% | -4.82% | -840 bps | |
| Loan Growth (YoY) | -17.33% | -18.52% | -18.22% | -17.92% | -12.86% | +446 bps | |
| Share Growth (YoY) | 2.68% | 2.73% | 2.39% | -2.45% | -6.55% | -922 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.07% | 3.36% | 1.95% | 2.56% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.55% | 1.73% | 2.87% | 2.77% | +125 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.52% | 17.39% | 17.29% | 17.47% | 18.04% | +152 bps | |
| Net Worth / Assets | 16.52% | 17.39% | 17.29% | 17.47% | 18.04% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.88% | 72.67% | 72.25% | 70.03% | 67.95% | -492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hot Springs, AR · Charter 18814 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.15%
Rank 456 of 1,683
Net Interest Margin
6.11%
Rank 34 of 1,683
Efficiency Ratio
62.57%
Rank 234 of 1,682
Equity / Assets
18.04%
Rank 331 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 456 / 1,683 | |
| Return on Equity | 6.36% | 2.67% | 5.89% | 8.74% | Beats 55% | 762 / 1,681 | |
| Net Interest Margin | 6.11% | 3.31% | 3.82% | 4.32% | Beats 98% | 34 / 1,683 | |
| Efficiency Ratio | 62.57% | 68.91% | 78.20% | 86.93% | Beats 86% | 234 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.54% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,511 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 331 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 331 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.95% | 52.61% | 69.38% | 83.50% | 48th pctl | 881 / 1,683 | |
| Loans / Assets | 55.66% | 44.71% | 59.18% | 70.72% | 43rd pctl | 964 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||