Arkadelphia, AR · Charter 20114
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
42
Asset Quality
5
Profitability
2
Liquidity
59
Efficiency
3
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.
Arkadelphia, AR · Charter 20114
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 | 0.46% | -0.72% | -0.97% | -3.66% | -2.58% | -304 bps | |
| Return on Equity | 3.98% | -6.12% | -8.39% | -31.19% | -21.29% | -2,527 bps | |
| Net Interest Margin | 3.25% | 2.97% | 2.96% | 2.02% | 2.30% | -95 bps | |
| Efficiency Ratio | 78.00% | 105.01% | 109.38% | 133.16% | 114.40% | +3,640 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.09% | 2.03% | 0.63% | 13.47% | -20.79% | -2,388 bps | |
| Loan Growth (YoY) | 0.29% | 2.03% | 2.65% | -3.73% | -6.33% | -661 bps | |
| Share Growth (YoY) | -5.14% | 1.49% | 0.50% | -2.44% | -12.06% | -692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.12% | 3.90% | 3.79% | 2.23% | 3.89% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.66% | 11.83% | 11.55% | 11.75% | 12.11% | +44 bps | |
| Net Worth / Assets | 11.66% | 11.83% | 11.55% | 11.75% | 12.11% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.84% | 68.30% | 69.23% | 74.45% | 78.66% | +482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arkadelphia, AR · Charter 20114 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-2.58%
Rank 1,653 of 1,683
Net Interest Margin
2.30%
Rank 1,640 of 1,683
Efficiency Ratio
114.23%
Rank 1,626 of 1,682
Equity / Assets
12.10%
Rank 978 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.58% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,653 / 1,683 | |
| Return on Equity | -21.30% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,656 / 1,681 | |
| Net Interest Margin | 2.30% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,640 / 1,683 | |
| Efficiency Ratio | 114.23% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,626 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.89% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,597 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 978 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 978 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.66% | 52.61% | 69.38% | 83.50% | 67th pctl | 557 / 1,683 | |
| Loans / Assets | 70.74% | 44.71% | 59.18% | 70.72% | 75th pctl | 420 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||