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 | |