Garland County Educators
Hot Springs, AR · Charter 18814 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$5.2MAssets
$2.9MLoans
$4.3MShares
$944KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 34 of 1683).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1511 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 8-Qtr Trend | 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 |