PackageTrendsPeer
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Electric Cooperatives

Little Rock, AR · Charter 23361

NCUA · 1 branch

Q2 2026

$18.6MAssets
$10.5MLoans
$15.8MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.43%, down 90 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.08% of loans (-46 bps YoY).
  • Capital: net worth / assets of 15.16%, up 59 bps from a year ago.
  • Funding: loans stand at 66.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.43%-90 bps YoY

Net Interest Margin (quarter, annualized)

4.76%-18 bps YoY

Efficiency Ratio (quarter, annualized)

72.42%+1,083 bps YoY

Net Worth / Assets

15.16%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.33%2.10%1.86%2.12%1.43%-90 bps
Return on Equity16.01%13.84%11.61%14.24%9.46%-656 bps
Net Interest Margin4.94%5.08%5.32%4.74%4.76%-18 bps
Efficiency Ratio61.58%64.14%69.52%64.47%72.42%+1,083 bps
Growth
Asset Growth (YoY)5.80%4.97%6.86%4.01%4.96%-84 bps
Loan Growth (YoY)2.39%10.27%8.28%4.88%-1.58%-398 bps
Share Growth (YoY)4.16%3.54%5.57%2.72%4.36%+20 bps
Asset Quality
Delinquent Loans / Loans0.54%0.17%0.05%0.04%0.08%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.57%15.16%16.01%14.87%15.16%+59 bps
Net Worth / Assets14.57%15.16%16.01%14.87%15.16%+59 bps
Liquidity & Funding
Loans / Shares70.55%76.56%75.84%63.49%66.53%-402 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps