Arkadelphia, AR · Charter 20114
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 | -1.56% | -1.09% | 2.33% | 0.46% | -0.72% | -0.97% | -3.66% | -2.58% | -304 bps | |
| Return on Equity | -12.33% | -8.58% | 14.37% | 3.98% | -6.12% | -8.39% | -31.19% | -21.29% | -2,527 bps | |
| Net Interest Margin | 2.99% | 2.89% | 4.41% | 3.25% | 2.97% | 2.96% | 2.02% | 2.30% | -95 bps | |
| Efficiency Ratio | 104.09% | 129.33% | 27.23% | 78.00% | 105.01% | 109.38% | 133.16% | 114.40% | +3,640 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.62% | -13.30% | -29.79% | 3.09% | 2.03% | 0.63% | 13.47% | -20.79% | -2,388 bps | |
| Loan Growth (YoY) | -18.37% | -15.69% | -8.60% | 0.29% | 2.03% | 2.65% | -3.73% | -6.33% | -661 bps | |
| Share Growth (YoY) | -13.23% | -11.72% | -17.37% | -5.14% | 1.49% | 0.50% | -2.44% | -12.06% | -692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 4.63% | 4.32% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 12.69% | 16.19% | 11.66% | 11.83% | 11.55% | 11.75% | 12.11% | +44 bps | |
| Net Worth / Assets | 12.64% | 12.69% | 16.19% | 11.66% | 11.83% | 11.55% | 11.75% | 12.11% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.94% | 67.77% | 75.45% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |