Searcy, AR · Charter 24428
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
79
Asset Quality
10
Profitability
67
Liquidity
52
Efficiency
63
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.
Searcy, AR · Charter 24428
NCUA · 1 branch
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 | 1.49% | 1.59% | 1.40% | 0.80% | 0.99% | -50 bps | |
| Return on Equity | 9.37% | 9.56% | 8.24% | 4.79% | 5.58% | -379 bps | |
| Net Interest Margin | 5.19% | 5.33% | 5.42% | 4.79% | 4.96% | -23 bps | |
| Efficiency Ratio | 72.01% | 71.50% | 72.14% | 81.00% | 73.67% | +166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.53% | 0.48% | -1.65% | -3.81% | -5.48% | -495 bps | |
| Loan Growth (YoY) | -11.64% | -10.85% | -12.76% | -15.23% | -11.49% | +16 bps | |
| Share Growth (YoY) | -1.87% | -0.98% | -4.73% | -5.79% | -7.34% | -547 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 1.23% | 2.64% | 2.29% | 2.58% | +172 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 | 15.88% | 16.63% | 16.98% | 16.77% | 17.68% | +179 bps | |
| Net Worth / Assets | 15.88% | 16.63% | 16.98% | 16.77% | 17.68% | +179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.16% | 84.33% | 85.67% | 78.00% | 80.40% | -376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Searcy, AR · Charter 24428 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 603 of 1,683
Net Interest Margin
4.97%
Rank 151 of 1,683
Efficiency Ratio
73.62%
Rank 621 of 1,682
Equity / Assets
17.67%
Rank 348 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 603 / 1,683 | |
| Return on Equity | 5.59% | 2.67% | 5.89% | 8.74% | Beats 47% | 888 / 1,681 | |
| Net Interest Margin | 4.97% | 3.31% | 3.82% | 4.32% | Beats 91% | 151 / 1,683 | |
| Efficiency Ratio | 73.62% | 68.91% | 78.20% | 86.93% | Beats 63% | 621 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.58% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,516 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.67% | 10.44% | 12.89% | 16.53% | Beats 79% | 348 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.67% | 10.44% | 12.89% | 16.53% | Beats 79% | 348 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.40% | 52.61% | 69.38% | 83.50% | 70th pctl | 505 / 1,683 | |
| Loans / Assets | 65.14% | 44.71% | 59.18% | 70.72% | 63rd pctl | 628 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||