White County
Searcy, AR · Charter 24428 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$17.0MAssets
$11.1MLoans
$13.8MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 151 of 1683).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1516 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |