Fort Smith, AR · Charter 24257
NCUA · 1 branch
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
67
Asset Quality
77
Profitability
24
Liquidity
95
Efficiency
2
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.
Fort Smith, AR · Charter 24257
NCUA · 1 branch
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 | 0.51% | 0.18% | 0.46% | 0.19% | 0.24% | 0.08% | -1.54% | -1.33% | -152 bps | |
| Return on Equity | 4.18% | 1.47% | 3.39% | 1.32% | 1.58% | 0.55% | -10.28% | -8.96% | -1,028 bps | |
| Net Interest Margin | 3.71% | 3.81% | 4.08% | 3.32% | 4.69% | 4.71% | 4.46% | 4.08% | +76 bps | |
| Efficiency Ratio | 89.69% | 95.06% | 94.84% | 97.77% | 97.67% | 99.40% | 127.70% | 125.69% | +2,792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.49% | -11.45% | -18.95% | -19.87% | -19.67% | -16.91% | -11.76% | 4.54% | +2,441 bps | |
| Loan Growth (YoY) | -7.11% | -11.27% | -12.99% | -17.17% | -16.09% | -14.85% | -15.46% | -11.55% | +562 bps | |
| Share Growth (YoY) | -11.41% | -6.51% | -21.61% | -23.14% | -22.48% | -19.30% | -12.99% | 6.99% | +3,013 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.23% | 0.15% | 0.05% | 0.00% | 0.01% | 0.06% | 0.24% | +19 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 | 12.21% | 12.49% | 13.59% | 14.55% | 15.11% | 15.10% | 14.96% | 14.87% | +32 bps | |
| Net Worth / Assets | 12.21% | 12.49% | 13.59% | 14.55% | 15.11% | 15.10% | 14.96% | 14.87% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.54% | 74.56% | 79.05% | 81.96% | 82.84% | 78.67% | 76.80% | 67.76% | -1,420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Smith, AR · Charter 24257 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.33%
Rank 1,629 of 1,683
Net Interest Margin
4.07%
Rank 611 of 1,683
Efficiency Ratio
125.69%
Rank 1,651 of 1,682
Equity / Assets
14.87%
Rank 563 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.33% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,629 / 1,683 | ||
| Return on Equity | -8.96% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,614 / 1,681 | ||
| Net Interest Margin | 4.07% | 3.31% | 3.82% | 4.32% | Beats 64% | 611 / 1,683 | ||
| Efficiency Ratio | 125.69% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,651 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 390 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.87% | 10.44% | 12.89% | 16.53% | Beats 67% | 563 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.87% | 10.44% | 12.89% | 16.53% | Beats 67% | 563 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.76% | 52.61% | 69.38% | 83.50% | 47th pctl | 888 / 1,683 | ||
| Loans / Assets | 57.43% | 44.71% | 59.18% | 70.72% | 46th pctl | 906 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||