Hot Springs, AR · Charter 18814
NCUA · 2 branches
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 | 2.54% | 2.17% | 1.52% | 0.99% | 1.55% | 0.64% | 0.02% | 1.13% | +14 bps | |
| Return on Equity | 15.30% | 12.70% | 9.00% | 6.02% | 8.90% | 3.68% | 0.14% | 6.27% | +25 bps | |
| Net Interest Margin | 7.02% | 7.11% | 6.29% | 6.01% | 6.20% | 6.38% | 5.94% | 6.09% | +7 bps | |
| Efficiency Ratio | 52.68% | 54.86% | 62.25% | 62.30% | 61.65% | 65.34% | 63.11% | 62.86% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 3.17% | 5.05% | 3.58% | 3.71% | 2.62% | -1.80% | -4.82% | -840 bps | |
| Loan Growth (YoY) | -5.39% | -10.69% | -11.19% | -17.33% | -18.52% | -18.22% | -17.92% | -12.86% | +446 bps | |
| Share Growth (YoY) | 2.35% | 1.10% | 3.52% | 2.68% | 2.73% | 2.39% | -2.45% | -6.55% | -922 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.84% | 2.08% | 1.99% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.57% | 1.51% | 1.52% | 1.55% | 1.73% | 2.87% | 2.77% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.60% | 17.09% | 16.90% | 16.52% | 17.39% | 17.29% | 17.47% | 18.04% | +152 bps | |
| Net Worth / Assets | 16.60% | 17.09% | 16.90% | 16.52% | 17.39% | 17.29% | 17.47% | 18.04% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.61% | 90.46% | 83.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |